Articles
Five pillars. Each one teaches a complete method; the planner automates it.
How to Pay Off Credit Card Debt Fast on a Low Income (The 4-Step Method)
Statement sweep, method pick, gap hunt, 3-account automation.
Snowball vs. Avalanche: The Decision Rule (Not the Debate)
The 2016 evidence, momentum vs math, and why 0%/secured rank last.
The 3-Account Budget: Why Apps Fail and Bank Automation Wins
Bills · Spending · Debt, and the payday transfer that runs it all.
The 3-Sentence Script to Lower Your Credit Card APR Tonight
The retention-desk script, the silence, and the hardship fallbacks.
The 4-Minute Statement Sweep: Find $40–$120 in Plain Sight
The 3-circle audit from Receipt Math eps 1–2.