Escape Debt, Build a Buffer, and Sleep Through the Night

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You've probably done the thing where you open your banking app, see the number, feel a cold drop in your stomach, and close the app before you actually read anything. That's not laziness. That's your brain protecting you from a threat it can't fight. The problem is that the threat doesn't go away when you look away. It just gets quieter and heavier. Here's what almost nobody tells you: the fear you're carrying is usually bigger than the number. Not because the debt is small, but because it's *unknown*. A vague monster is always scarier than a measured one. Today, in about twenty minutes, you're going to measure it. Not fix it. Not judge it.