Mac Attram British Multi-Millionaire: From $100K In Debt To Financially Free In 18 Months

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(And How You Can Do It Too Using Mac’s 7 Step Process) 


“I’m a failure, I’m a failure, I’m a failure. This is NOT what I imagined my life to be for my wife, children or myself” 


Said Mac in 2004 while sitting in his car during the breakdown moment that forever changed his life…

Can you relate to Mac’s breakdown moment in his car when he was still working 16+ hours a day? Can you relate to your life not being what you imagined it to be? 

18 months after that moment, Mac became financially free, never needing to work again if he didn’t want to and only a few short years later..

Not only has Mac become a multi-millionaire and now a best selling author of “The Millionaire Moment, how your thoughts shape your financial destiny… 

Mac has also trained 100,000+ people in over 50 countries.. and shared the stage with legends such as the creator of the “Millionaire Mind Intensive Seminar”  T. Harv Eker and others such as Tony Robbins, Robert Kiyosaki, Les Brown and Eric Thomas. 

Now as you read this article until the very last word you will learn Mac’s 7 steps to financial freedom anyone including yourself can take to become not only debt free or financially free but also get paid to do what you love.


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Mac Attram & T. Harv Eker at “The Millionaire Mind Intensive Seminar”



The first step is to educate yourself about money, how does money work? What beliefs do you currently hold to be true about money? Do you think like the rich so you can become one of the rich?

How is it that statistics have proven that 70% of lottery winners who win millions of dollars, end up broke or worse off within just a couple of years?

Yet rich people like Billionaire Donald Trump and countless other people can lose all of their money, even declare bankruptcy but then just a few years later become mega rich again? 

Is it really just about the money, or is it about how they THINK about money? 


You don’t know what you don’t know”- Mac Attram


When Mac was sitting in his car having his breakdown moment he realised that he didn’t know what he didn’t know. How could he know something he never learned? 

I don’t know about you, but neither Mac or myself had access to “Money 101” classes during our years within the traditional education system designed for us to lose in life.

So Mac began reading books such as “Secrets of the Millionaire Mind” by T.Harv Eker and attending seminars created by successful people who had what he wanted in life.

Now there was 1 seminar specifically that forever changed Mac’s life. “The Millionaire Mind Intensive Seminar” created and hosted by T. Harv Eker at the time. 

Mac learned about his money type and the emergency brakes he had turned on holding him back from the money, joy, success and fulfilment that he wanted in his life. 

18 months later Mac became financially free, never needing to work again because of what he learned about the subject of money.. Which brings us to step 2.




Why is it that many people who earn 6 figures, multiple 6 figures and even 7 figures a year often end up broke, never being able to escape the rat race? 

Always needing to continue working to pay the bills? 

Money management.

They don’t manage their money well. It’s that simple. 

They have not simplified their life, they just keep spending and spending and spending all of their money.

Mac shared with me the 1 key difference between all people who are financially free and those who are stuck working their entire lives.

Money management. 

Mac recommends the most simple and effective money management system ever created, which he learned about at T.Harv Eker’s, “Millionaire Mind Intensive Seminar”. 

Here’s the system in a snap shot.

1) 55% of your money to your “Necessities Account” which is your basic living expenses.

2) 10% into your “Financial Freedom Account” which is for creating your passive income streams.

3) 10% into your “Long Term Savings for Spending Account” which includes family trips, home renovations, etc.

4) 10% into your “Education Fund” which includes books, seminars, coaches, and anything dedicated towards helping you evolve.

5) 5% into your “Give Fund” which is the money you give away every month to those in need, if you don’t have money to give then give your time each month.

6) 10% into your “Play Fund” because if you’re too strict, you’ll eventually self sabotage your progress

This is the money management system that Mac followed to help him go from $100K In Debt To Financially Free In 18 Months but without Mac having set a financial freedom target, he’d still be struggling because..

“You can’t hit a target you cannot see and you cannot see a target you do not have.” – Zig Ziglar.


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Mac training thousands of people at an event



Do you want to earn 100K a year? 100K a month? 100K a week? 100K a day?

Whatever it is, according to Mac it’s a non-negotiable that you set a crystal clear financial freedom target. But first let’s gain some clarity on what “Financial Freedom” even means..

Now according to Mac and his mentors, financial freedom is the ability to live the lifestyle you desire without having to work or rely on anyone else for money ever again. 

And the only way to earn money without ever needing to work again or rely on anyone else, is passively. 

Passive income means money that goes into your bank account without you needing to do anything or be anywhere ever. It goes into your bank account whether you work or not.

Most of the time building these passive income streams usually requires money which if you don’t have lots of money, brings us to step number 4.




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Mac with his beautiful family

Not only increasing your income, but increasing your income doing what you love so you can spend time with your loved ones and live your life exactly how you want to live it. 

Mac suggests you ask yourself “What do I love doing, what would I do even if I wasn’t getting paid for it?”

For example, let’s pretend you have a passion for martial arts.

You practice multiple times per week, you’ve competed in tournaments, you would do martial arts even if you didn’t get paid for it..

And then explore how you can turn that passion of martial arts into a side business while keeping your main source of income until your side business replaces your current income bringing us to step 5.




Let’s play with the martial arts example, what problems would your local area have that martial arts could solve?

Perhaps some kids are being bullied, people wanting  to learn self defence, perhaps some people need to learn self discipline, or they are not confident. 

What if you were to set up a martial arts school  or private martial arts lessons teaching people martial arts so they can defend themselves, become disciplined and become more confident? 

And what if you charged a fee for your martial art lessons?

“Once you make your first dollar with this idea, you’re in business. Just keep repeating what you’ve done, over and over and over.” Mac Attram

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Mac (6th Dan Black Belt & Former UK National Champion) with his Grandmaster Nicholls (9th Dan)



People have problems, people don’t want their problems so they look for solutions to get rid of their problems. People are more than happy to pay you if you are capable of solving their problems. 

That’s all business really is anyway, solving problems for people with your solution in exchange for money. 

But the next problem then becomes, if you have to show up to this side business of yours.. 

Are you really ever going to be free?

The answer is no because that is still working income which is of course an important PART of becoming financially free.

“Financial freedom is the ability to live the lifestyle you desire without having to work or rely on anyone else for money ever again.” – T.Harv Eker

The purpose of increasing your income with this side business is to put money into your “Financial Freedom Account” from the money management system in Step 2.  

You take your “Financial Freedom Account” and you make it work hard for you via passive income vehicles so that once you achieve your “Financial Freedom Target” you don’t have to work anymore because your money works hard for you..

“Poor and middle class people work hard for money, Rich people make their money work hard for them” -Robert Kiyosaki Author of “Rich Dad Poor Dad”

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Mac Attram & Robert Kiyosaki, Author of “Rich Dad Poor Dad”



Mac was still struggling because he was paying off $100K of debt and maybe you’re still in debt too, or maybe you don’t want to invest your own money into your passive income streams. There’s other ways.

Mac found another way. One of the seminars he went to was about “investing in real estate with $0 down”.

“I was broke, I didn’t have money to put down so I jumped all over it. I went all in, got my first property, then another, then another, then another, until one day… 

I was sitting at the dining room table looking over my finances and I couldn’t believe what I was seeing. So I said to my wife..

Honey, can you come take a look at this for me? I’m not sure if I’m seeing this right.” Mac expressed to his wife while in shock.. 

“What do you want me to look at sweetie?” said Mac’s wife 

Mac replies “Right here, this line right here shows that our passive income has just surpassed all of our living expenses. Right?! Am I seeing this right hunny?”

With astonishment Mac and his wife started screaming in excitement because at that moment they realised they had become financially free. 

So Mac just kept repeating the process, over and over and over becoming a multi-millionaire just a few years later.

Mac finally had his Millionaire Moment because he took the first step towards learning what he didn’t know he didn’t know. 

At that moment Mac realised how much his thoughts had shaped his initial situation of being $100K In Debt, working 90 hour weeks, barely seeing his first daughter for 3-4 years of her life and struggling to spend time with his wife.

Mac’s incredible transformation started with him taking control of his financial destiny by first taking control of his thoughts that created both his old financial situation and now him never needing to work another day in his life.

If you’d like the SCIENCE behind how your thoughts shape your financial destiny, we at “” highly recommend you read Mac’s book “Millionaire Moment, how your thoughts shape your financial destiny.” by clicking here 

If you’d like to stay in touch with Mac, feel free to follow him on Instagram by clicking here

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