Transforming lives through collective financial empowerment
Welcome to the DFREE® Billion Dollar Challenge.
The road to building wealth starts with saying yes to no debt – specifically consumer debt. The kind that finances a lifestyle we could not afford without credit. We are leading individuals, families, organizations, and whole communities to pay it off and build savings, investments and ownership in its place. The goal is one billion dollars paid off. Will you accept the challenge?
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Created in 2005 by DeForest B. Soaries, Jr., the DFREE® Financial Freedom Movement challenges the culture of consumer debt with values-based principles and practical money management. The Billion Dollar Challenge calls people to commit to paying off their own debt and building their own savings. We provide the platform, tools, and resources to do it. Together we are creating wealth and closing the wealth gap one family at a time.
SIGN UP TODAY!The Billion Dollar Challenge is the DFREE® Financial Freedom Movement in action. We are organizing communities to pay off one billion dollars in consumer debt and build generational wealth in its place. This is how we close the wealth gap one family at a time.
The work belongs to the people who join. We bring the platform, the tools, the education, and the community. Folks set their own goals, pay down their own debt, and build their own savings. We celebrate every dollar of debt paid and every dollar saved.

$26M+
Debt Eliminated
Picture a future where families pay off their debts, build their savings, and pass wealth down to the next generation. We are getting there one family at a time. Take the Challenge. Join the movement.
$250M
First Milestone
$500M
Halfway There
$750M
Three Quarters
$1B
Ultimate Goal
32.5% of our goal achieved
Our core values guide every decision we make and every tool we build.
We believe in the power of collective action and supporting one another on the journey to financial freedom.
Providing tools, education, and resources to help individuals take control of their financial futures.
Creating accessible pathways to financial wellness for underserved communities.
Empowering through knowledge, helping members understand debt management and wealth building.
The DFREE® movement was founded with a simple yet powerful mission: to help people become debt-free and financially secure. What started as a church-based initiative has grown into a nationwide movement impacting thousands of lives.
Through partnerships with churches, community organizations, and financial institutions, DFREE® provides comprehensive financial literacy programs, counseling services, and tools like the Billion Dollar Challenge platform.
50K+
Members
500+
Partner Churches
20+
Years of Impact

Join thousands of others who are taking control of their financial future. Every dollar paid off brings us closer to our billion-dollar goal.