Break the chains. Live debt-free.
Follow these steps in order. Each one builds on the last until you've mastered debt management.
Credit cards, student loans, car payments, medical bills. Amount, rate, and minimum payment for each.
Cut up cards if needed. No new loans while you're paying off old ones.
Avalanche: highest interest first (saves most money). Snowball: smallest balance first (builds momentum).
Every extra dollar goes to your target debt. Minimums on everything else.
Paid off a card? Close it or freeze it. Roll that payment to the next debt.
"Debt is the slavery of the free."— Publilius Syrus
Advanced moves to accelerate your progress and get results faster.
0% APR cards can save thousands — but only if you pay it off before the rate jumps.
Call your credit card company. Many will lower your rate if you ask.
One lower-rate loan can simplify payments — but don't run up cards again.
A temporary side hustle dedicated 100% to debt destroys balances fast.
The core principles and your checklist to put debt management into practice today.
Mathematically optimal — pay highest interest rate first.
Psychologically powerful — quick wins build unstoppable momentum.
Mortgage and student loans can be OK. Credit card debt at 24% is never OK.
Imagine keeping your entire paycheck. That's the goal.