Tuesday Format

RADICAL CLARITY GROUP

TUESDAY - SOLVENCY 101


Meeting Format -- Printable PDF (Revised 03/22/2025)


8-Week Series (See Appendix I)

Week #1 - What is Solvency?

Week #2 - Record Maintenance

Week #3 - Sponsorship

Week #4 - Twelve Steps and Twelve Traditions

Week #5 - Pressure Relief Meetings/Pressure Relief Groups

Week #6 - Slogans (See Appendix II)

Week #7 - The Promises

Week #8 - Closed Speaker Meeting (See Appendix III)

CHAIRPERSON

Service needed:

1. Reader #1: Twelve Signs of Compulsive Debting

2. Reader #2: Step/Tradition of the Month

3. Reader #3: The Twelve Promises of Debtors Anonymous

4. Spiritual Timekeeper

__________________________________________________________________


TECH HOST - 8:29pm ET [MUTE ALL]

 

Welcome everyone.  My name is ______.  I am a compulsive debtor, and my solvency date is _____.  I am serving as the Technology Host. I just muted the group. I will post two messages in the chat: 1. The link to this format with the prayers and readings in use during the meeting; and 2. My phone number.  Please text me to be readmitted if you are accidentally dropped from the meeting.  I now turn the meeting over to _______, Co-Chair #1. Thank you.


__________________________________________________________________



TECH HOST: 8:30pm ET

1. Lock the room.


2. Paste Chat message to Everyone: 

https://www.radicalclaritygroup.com/meeting-formats/tuesday-format


3. Paste Chat message to Everyone: 

Please note for readmission. 

Tech Host - [Insert name & number.]


__________________________________________________________________


CO-CHAIR #1 - GUIDES the FIRST HALF

Good evening and welcome to the Radical Clarity Group - Solvency 101 Meeting of Debtors Anonymous. My name is _____. I'm a solvent compulsive debtor. My solvency date is _____. I am co-chairing today with ____. [Co-Chair #2] Hello, my name is _______.  I’m a solvent compulsive debtor.  My solvency date is ____.  [Co-Chair #1 Resumes]


__________________________________________________________________



SAFE MEETING PARAMETERS

The Radical Clarity Group (RCG) strives to create a safe environment for everyone in their recovery.  All RCG meetings affirm the DA Safety Guidelines, available via the following link:


DA Safety Guidelines

https://debtorsanonymous.org/download/safety-guidelines/?wpdmdl=2658&refresh=6781fe8b7fc9f1736572555


Please reach out to anyone designated “RCG Security” or email radicalclarityfun@gmail.com to report inappropriate conduct.  All reports will be treated with sensitivity and confidentiality. 


All RCG meetings are “Closed Meetings” of Debtors Anonymous – solely for those whose use of unsecured credit causes problems and suffering for themselves and others. Our Tech Hosts maintain a technologically safe meeting environment and may place anyone in the Waiting Room who is not in a private, fixed location or whose Video is off.  


__________________________________________________________________



[TECH HOST: PASTE TO “EVERYONE” IN CHAT]


As a Closed Meeting, we ask participants to: 


1 - Join from a private and fixed location.


2 - Keep your Video “ON” for the entire meeting, even if you need to step away - up to 5 minutes.


3 - Identify with:

**First Name

**Illness - ‘Compulsive Debtor’ - If other symptoms or issues are identified, such as underearning, overspending, or compulsive shopping, you will be invited to re-identify with ‘compulsive debtor’ only.

**Solvency Date


__________________________________________________________________



SILENCE AND PRAYER

Let us now take a moment of silence for the still suffering compulsive debtor, followed by the ‘we’ version of the Serenity Prayer.



MOMENT OF SILENCE 

[PAUSE for 5-10 SECONDS]



PRAYER (READ SLOWLY) 

God, grant us the Serenity to accept the things we cannot change, the Courage to change the things we can, and the Wisdom to know the difference.



WELCOME AND PURPOSE 

Welcome to Debtors Anonymous. Debtors Anonymous offers hope for people whose use of unsecured debt causes problems and suffering. We come to learn that compulsive debting is a spiritual problem with a spiritual solution, and we find relief by working the DA recovery program based on the Twelve-Step principles.


The only requirement for membership is a desire to stop incurring unsecured debt. Even if members are not in debt, they are welcome in DA. Our Fellowship is supported solely through contributions made by members; there are no dues or fees.


Debtors Anonymous is not affiliated with any financial, legal, political, or religious entities, and we avoid controversy by not discussing outside issues. By sharing our experience, strength, and hope, and by carrying the message to those who still suffer, we find joy, clarity, and serenity as we recover together.



NEWCOMER - INTRODUCTIONS




NEWCOMER WELCOME (SKIP IF NO NEWCOMERS)

A Word to Newcomers: If you are having problems with money and debt and think you may be a compulsive debtor, you have come to the right place.  Debtors Anonymous can help you.  We offer face-to-face, telephone, and internet meetings, and we suggest attending at least six meetings to have an opportunity to identify with the speakers and become familiar with D.A. before deciding whether or not this program is for you.  If you identify with some or all aspects of compulsive debting, we hope you will join us on the path of recovery and find the peace, joy, and love that we have found in Debtors Anonymous.




READINGS

I have asked _____ to read Twelve Signs of Compulsive Debting. 


Twelve Signs of Compulsive Debting 🔗



STEP AND TRADITION OF THE MONTH

I have asked _____ to read Step _____ and Tradition ______. 


Twelve Steps and Twelve Traditions🔗



CO-CHAIR #1 RESUMES

Thank you to our readers.



BEGINNER’S PRAYER

Higher Power, Remove my compulsion to debt, under earn, or overspend. I am willing to go to any lengths not to debt today.

--Bookmark, “Just For This Day”



DA PURPOSE

Solvency, the primary purpose of Debtors Anonymous, is the practice of not incurring any new unsecured debt one day at a time. Unsecured debt is any form of debt that is not backed up by collateral.


RCG PURPOSE

The Radical Clarity Group welcomes those suffering with compulsive debting, and those who are solvent. We maintain a safe environment to share our experience, strength, and hope. We believe compulsive debting is a spiritual illness; and we focus on the spiritual solution offered in Debtors Anonymous.



TOPIC and SHARES to 9:20pm

This is Week #_____ in an eight-week series. We encourage you to attend all eight (8) meetings.  The meetings don’t need to be attended in any specific order; and we offer encouragement “real-time” with cross-talk. 

Shares in Debtors Anonymous are timed. Time is our Friend.  Our Spiritual Timekeeper today is _______.  We acknowledge the Timekeeper at the “One-Minute” announcement (keep in mind that a full minute remains).  When “Time” is called we bring our remarks to conclusion.


I will share for 4-minutes on what I used to be like, what happened, and what I am like today. [AFTER SHARE] I now turn the meeting over to ____ (Co-Chair #2).




CO-CHAIR #2 - GUIDES the SECOND HALF

__________________________________________________________________


CO-CHAIR #2: LAST TUESDAY OF THE MONTH – OTHERWISE, SKIP

TOOL 10. Business Meetings - We attend business meetings that are held monthly. Many of us have long harbored feelings that “business” was not a part of our lives but for others more qualified. Yet participation in running our own program teaches us how our organization operates, and also helps us to become responsible for our own recovery.


The purpose of this business meeting is to fill service positions for next month.   


1. Recordkeeper: There is no solvency requirement and the person serves for one month. 

The Recordkeeper:

Who is willing to serve as Recordkeeper for the month of ____? [PAUSE] Recordkeeper, please post your name and contact information in the Chat.  All those who volunteer for the upcoming month, please contact the Recordkeeper for information in the service schedule.


2. Tech Host: There is no solvency requirement. Tech Hosts must use a laptop or desktop device and have attended a Tech Host training session with MeLisa or Tony.  Who is willing to serve as Tech Host for week 1, week 2, etc...


3. Co-Chair #1: There is no solvency requirement for Co-Chair #1.  Who is willing to serve as Co-Chair #1 for week 1, week 2, etc…


4. Co-Chair #2: The requirement for the Chair is 6 months of solvency and 2 Pressure Relief Meetings. Who is willing to serve as Chair for week 1, week 2, etc…


5. Chip Champion: There is no solvency requirement for Chip Champion.  Who is willing to serve as Chip Champion for week 1, week 2, etc…


6. Speaker Seeker: There is no solvency requirement for the Speaker Seeker.  This person books the next Speaker for the upcoming Week 8.  The Speaker must be a solvent member of DA with 5+ years of continuous solvency, a Sponsor and have taken all 12 Steps. Who would like to be the Speaker Seeker for the next speaker meeting?


7. Are there any other business items to discuss?

__________________________________________________________________



CO-CHAIR #2

I will now share for 7 minutes on today’s topic: __________. If I ask questions during this time, please click “Raise Hand” to respond. You are free to affirm with kindness what others have said.  If you post any questions in Chat, the Tech Host will respond.

Now let us take ____ minute(s) of silence to digest the information from the two shares.  Timekeeper, please time us for ___ minute(s).  Thank you.



SHARE TIME

We will now have time for sharing, which can include asking questions.  Each person will have 3 minutes for their share.  If you have a question during your time, the answer is included within the 3 minutes.  Please identify as a compulsive debtor and include your solvency date, if you have one.  Please click “Raise Hand” if you would like to share and I will call on you.  


[9:15pm ET - TIME CHECK - 5 MINUTES REMAIN]

9:20pm: We have reached the end of the share time for today.  We welcome you to remain after the meeting for fellowship and further guidance.  


__________________________________________________________________


[TECH HOST - ENABLE “EVERYONE” IN CHAT]

__________________________________________________________________



9:20pm - 9:30pm


7th TRADITION

We have no dues or fees.  In accordance with the 7th Tradition, every group ought to be fully self-supporting, declining outside contributions. The money collected pays for our Zoom subscription and sends our Group Service Representative to the annual World Service Conference.  The Radical Clarity Group also supports our General Service Office to maintain our DA website, produce literature, and perform services that allow the still-suffering compulsive debtor to find us and get help.  If you are attending your first meeting or you are not yet solvent, we ask that you not contribute.  Just keep coming back. 

 

The Tech Host has posted the donation methods.  We accept donations via PayPal, Zelle, and personal check or money order.  Thank you.


[CO-CHAIR #2: GO TO ANNOUNCEMENTS NEXT PLEASE]


__________________________________________________________________



[TECH HOST: PASTE TO “EVERYONE” IN CHAT]


7th Tradition donations are accepted via…


PayPal at radicalclarityfun@gmail.com for international donors and those in the USA. 


Zelle at radicalclarityfun@gmail.com for donors in the USA.

Checks / Money Orders - Please make payable to "Radical Clarity Group" and email radicalclarityfun@gmail.com for the mailing address.

__________________________________________________________________



ANNOUNCEMENTS 

 

I now turn the meeting over to our Chip Champion. Thank you.



CHIP CHAMPION

Thank you. My name is _____, and I’m a compulsive debtor and Chip Champion today. Here at Radical Clarity “Time Is Our Friend” and we celebrate time with virtual chips and virtual hugs. 



[CO-CHAIR #2 RESUMES] 


CO-CHAIR #2

Thank you.  I have asked ____ to read the Twelve Promises of Debtors Anonymous.


Twelve Promises of Debtors Anonymous  🔗


__________________________________________________________________


CLOSING STATEMENT

In closing, we would like to remind you that in Debtors Anonymous we practice Tradition Twelve, which is the principle of anonymity. This assures us the freedom to express ourselves at meetings and in private conversations without fear that our comments will be repeated. We keep what is shared at meetings confidential. As we work the Steps and practice DA's Traditions and Concepts, we are reminded that recovery is possible and that we are all here for a common purpose – to recover from compulsive debting one day at a time. 



SILENCE AND PRAYER

Let us now offer a moment of silence for the still suffering compulsive debtor followed by the DA Third Step Prayer.



MOMENT OF SILENCE 

[PAUSE for 5-10 SECONDS]



PRAYER (READ SLOWLY) 

DA Third Step Prayer: Higher Power, I stand before you ready to be transformed. I place myself in your hands. Guide me on my recovery path. Remove my compulsive debting, my self-centered fear, and my own self-will. May I shine to others as a beacon of your power. May I choose to remain on your path always. 

–The Twelve Steps, Twelve Traditions, and Twelve Concepts of Debtors Anonymous: Thirty-Six Principles of Recovery, p. 19


__________________________________________________________________



APPENDIX I

CONFERENCE-APPROVED LITERATURE GUIDE


DA Webpage, Free Downloadable Literature

https://debtorsanonymous.org/getting-started/free-literature/


Week #1 - What is Solvency?


Week #2 - Record Maintenance


Week #3 - Sponsorship


Week #4 - 12 Steps and 12 Traditions


Week #5 - Pressure Relief Group and Pressure Relief Meetings


Week #6 - Slogans (See Appendix II)


Week #7 - The Promises




__________________________________________________________________



APPENDIX II

SLOGANS


Time Is Our Friend

The Truth Is In The Numbers

We Don’t Debt No Matter What!

We are as sick as our secrets.

Self-knowledge avails us nothing

Progress not Perfection

You Gotta Get Real to Heal

Keep It Simple

If you mess up, start from where you are standing

Be where your feet are.

Comparing Leads to Despairing

Breathe Forward

I am enough, I do enough, I have enough

Pause Debtor

One Day at a Time

I will make mistakes in my life, let them be new ones.

First Things First

I can't have what I want when I want

Pay-in-Full or painful later

When we walk towards God, he runs towards us!

If it feels hard, I haven't asked for enough help

Nothing changes if nothing changes

Reality doesn't suck

We are not bad people trying to get good, we are sick people trying to get well

DA is a simple program for complicated people

Simple is not the same as easy

If you are looking for your path, look down because you are on it

The numbers don’t lie

If it doesn’t bring me joy or it takes my peace, it’s too expensive

We can't out-earn debt

We can't out-earn this illness

The credits don't transfer

Debting is spending other people’s money

I’m never gonna be a done deal

F.A.I.T.H. - Finding Answers in the Heart

I am God’s steward of God’s money

God is my employer

Clarity leads to freedom Without a shadow of a debt…

Not now doesn't mean not ever

I am two businesses:



__________________________________________________________________


APPENDIX III


RADICAL CLARITY GROUP

TUESDAY - SOLVENCY 101


CLOSED SPEAKER MEETING FORMAT


CHAIRPERSON

Service needed:

1. Reader #1: How It Works, Alcoholics Anonymous, Chapter 5, pp. 58-60 (https://aa-netherlands.org/big-book-online/) 

2. Reader #2: A Vision for You, Alcoholics Anonymous, Chapter 11, p. 164 (https://aa-netherlands.org/big-book-online/) 

3. Spiritual Timekeeper

__________________________________________________________________


TECH HOST - 8:29am ET [MUTE ALL]

 

Welcome everyone.  My name is ______.  I am a compulsive debtor, and my solvency date is _____.  I am serving as the Technology Host. I just muted the group. I will post two messages in the chat: 1. The link to this format with the prayers and readings in use during the meeting; and 2. My phone number.  Please text me to be readmitted if you are accidentally dropped from the meeting.  I now turn the meeting over to _______, our Chairperson. Thank you.


__________________________________________________________________


TECH HOST: 8:30pm ET

1. Lock the room.


2. Paste Chat message to Everyone: 

https://www.radicalclaritygroup.com/meeting-formats/tuesday-format


3. Paste Chat message to Everyone: 

Please note for readmission. 

Tech Host - [Insert name & number.]


__________________________________________________________________



CHAIRPERSON

Good evening and welcome to the Radical Clarity Group - Solvency 101 Speaker Meeting of Debtors Anonymous. My name is _____. I'm a solvent compulsive debtor. My solvency date is _____.


__________________________________________________________________



SAFE MEETING PARAMETERS

The Radical Clarity Group (RCG) strives to create a safe environment for everyone in their recovery.  Inappropriate conduct toward other members in or out of the meetings within the Fellowship of Debtors Anonymous is not acceptable. All RCG meetings affirm the DA Safety Guidelines, available via the following link:


DA Safety Guidelines

https://debtorsanonymous.org/download/safety-guidelines/?wpdmdl=2658&refresh=6781fe8b7fc9f1736572555


Please reach out to anyone designated “RCG Security” or email radicalclarityfun@gmail.com to report inappropriate conduct.  All reports will be treated with sensitivity and confidentiality. 


All RCG meetings are “Closed Meetings” of Debtors Anonymous – solely for those whose use of unsecured credit causes problems and suffering for themselves and others. Our Tech Hosts maintain a technologically safe meeting environment and may place anyone in the Waiting Room who is not in a private, fixed location or whose Video is off.  


__________________________________________________________________



[TECH HOST: PASTE TO “EVERYONE” IN CHAT]


As a Closed Meeting, we ask participants to: 


1 - Join from a private and fixed location.


2 - Keep your Video “ON” for the entire meeting, even if you need to step away - up to 5 minutes.


3 - Identify with:

**First Name

**Illness - ‘Compulsive Debtor’ - If other symptoms or issues are identified, such as underearning, overspending, or compulsive shopping, you will be invited to re-identify with ‘compulsive debtor’ only.

**Solvency Date


__________________________________________________________________



SILENCE AND PRAYER

Let us now take a moment of silence for the still suffering compulsive debtor, followed by the ‘we’ version of the Serenity Prayer.


MOMENT OF SILENCE 

[PAUSE for 5-10 SECONDS]



PRAYER (READ SLOWLY) 

God, grant us the Serenity to accept the things we cannot change, the Courage to change the things we can, and the Wisdom to know the difference.


WELCOME AND PURPOSE 

Welcome to Debtors Anonymous. Debtors Anonymous offers hope for people whose use of unsecured debt causes problems and suffering. We come to learn that compulsive debting is a spiritual problem with a spiritual solution, and we find relief by working the DA recovery program based on the Twelve-Step principles.


The only requirement for membership is a desire to stop incurring unsecured debt. Even if members are not in debt, they are welcome in DA. Our Fellowship is supported solely through contributions made by members; there are no dues or fees.


Debtors Anonymous is not affiliated with any financial, legal, political, or religious entities, and we avoid controversy by not discussing outside issues. By sharing our experience, strength, and hope, and by carrying the message to those who still suffer, we find joy, clarity, and serenity as we recover together.



NEWCOMER - INTRODUCTIONS



NEWCOMER WELCOME (SKIP IF NO NEWCOMERS)

A Word to Newcomers: If you are having problems with money and debt and think you may be a compulsive debtor, you have come to the right place.  Debtors Anonymous can help you.  We offer face-to-face, telephone, and internet meetings, and we suggest attending at least six meetings to have an opportunity to identify with the speakers and become familiar with D.A. before deciding whether or not this program is for you.  If you identify with some or all aspects of compulsive debting, we hope you will join us on the path of recovery and find the peace, joy, and love that we have found in Debtors Anonymous.



READING

I have asked _____ to read How It Works, (Alcoholics Anonymous, pp. 58-60). Please read as written. Thank you.
(https://aa-netherlands.org/big-book-online/) 



SPEAKER INTRODUCTION 

I would now like to introduce our Speaker for tonight _________. Thank you. 



SPEAKER

45-minute Speaker



__________________________________________________________________


OPTIONAL - TIME PERMITTING

Shares in Debtors Anonymous are timed. Time is our Friend.  Our Spiritual Timekeeper today is _______.  We acknowledge the Timekeeper at the “One-Minute” announcement (keep in mind that a full minute remains).  When “Time” is called we bring our remarks to conclusion.  Please click “Raise Hand” if you would like to share. I will start and then call on those in turn.


__________________________________________________________________


[9:15pm ET - TIME CHECK - 5 MINUTES REMAIN]

__________________________________________________________________


9:20am: We have reached the end of share time. Thank you to all who shared and all who listened. Please join us for a “meeting-after-the-meeting” for fellowship and further guidance.

__________________________________________________________________


[TECH HOST - ENABLE “EVERYONE” IN CHAT]

__________________________________________________________________



9:20pm – 9:30pm ET


7th TRADITION

We have no dues or fees.  In accordance with the 7th Tradition, every group ought to be fully self-supporting, declining outside contributions. The money collected pays for our Zoom subscription and sends our Group Service Representative to the annual World Service Conference.  The Radical Clarity Group also supports our General Service Office to maintain our DA website, produce literature, and perform services that allow the still-suffering compulsive debtor to find us and get help.  If you are attending your first meeting or you are not yet solvent, we ask that you not contribute.  Just keep coming back. 



The Tech Host has posted the donation methods.  We accept donations via PayPal, Zelle, and personal check or money order.  Thank you.


[CHAIR: GO TO ANNOUNCEMENTS NEXT PLEASE]


__________________________________________________________________


[TECH HOST: PASTE TO “EVERYONE” IN CHAT]


7th Tradition donations are accepted via…


PayPal at radicalclarityfun@gmail.com for international donors and those in the USA. 


Zelle at radicalclarityfun@gmail.com for donors in the USA.

Checks / Money Orders - Please make payable to "Radical Clarity Group" and email radicalclarityfun@gmail.com for the mailing address.

__________________________________________________________________



ANNOUNCEMENTS 

https://www.radicalclaritygroup.com/participant-info


I now turn the meeting over to our Chip Champion. Thank you.



__________________________________________________________________



CHIP CHAMPION

Thank you. My name is _____, and I’m a compulsive debtor and Chip Champion today. Here at Radical Clarity “Time Is Our Friend” and we celebrate time with virtual chips and virtual hugs. 

  

__________________________________________________________________



CLOSING READING 

I have asked _____ to read A Vision for You, Alcoholics Anonymous, Chapter 11, p. 164, starting at “Our book is meant to be…” to the end of the chapter. (https://aa-netherlands.org/big-book-online/) 



CLOSING STATEMENT

In closing, we would like to remind you that in Debtors Anonymous we practice Tradition Twelve, which is the principle of anonymity. This assures us the freedom to express ourselves at meetings and in private conversations without fear that our comments will be repeated. We keep what is shared at meetings confidential. As we work the Steps and practice DA's Traditions and Concepts, we are reminded that recovery is possible and that we are all here for a common purpose – to recover from compulsive debting one day at a time.


__________________________________________________________________



SILENCE AND PLEDGE

Let us now offer a moment of silence for the suffering compulsive debtor followed by the Serenity Prayer.  



MOMENT OF SILENCE 

[PAUSE for 5-10 SECONDS]



PRAYER (READ SLOWLY) 

God, grant us the Serenity to accept the things we cannot change, the Courage to change the things we can, and the Wisdom to know the difference.



Revised 03/22/2025