Longer pieces where we actually run the numbers. Every example here comes with the balances, the rates, and the totals, so you can check our arithmetic and then swap in your own.
We ran identical debts through both payoff orders: the avalanche wins by $456, and the snowball delivers its second win a full year sooner.
Read the articleThe bureaus see your statement balance, not what you paid. Moving one payment four days earlier can take reported utilization from 30% to 5%.
Read the articleBase the multiplier on essential spending and on your worst rolling quarter of income, then split the balance across three tiers of liquidity.
Read the articleThe annual 404a-5 disclosure nobody opens shows exactly how much of your retirement is taken before it compounds. Fifteen minutes finds real money.
Read the articleA lower rate can still lose money. Never compare payments across different terms, and price the no cost option like the trade it is.
Read the articleThe articles above explain the math. The playbooks give you the checklist, and the free calculators let you run these numbers against your own balances.
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