There is no product to sell to make this happen; it is a concept usually ignored and is one of the foundations of financial independence. To get out of debt, live beneath your means to free up cash to pay them down or pay them off. To break the cycle, reverse the trend, spend less and buy what you need; reward yourself with wants occasionally.
If you seek to increase your income, it could cause you to spend more and living above your means is the cause of your debt in the first place. So, if you opt to earn more and who wouldn't, if your money management is still not balanced, it will not have a positive effect on your overall financial situation. If you have sufficient liquid savings, you don't have to borrow money.
True prosperity measures how much you have left ( surplus) vs. how much you make and what you do with it. Financial independence is found in a strategy that steadily increases savings, which can in turn be invested to produce more income. A near perfect financial strategy grows until it fully replaces your earned income where you can then retire. It will not happen if you don't begin to live beneath your means. Other benefits to living below your means:
(Bob Lotich, Founder of ChristianPF.com; The Huffington Post, May 2015)