Pay Off Debt Faster Without Earning a Penny More

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You sit down on Sunday night with the best intentions. By the time you've opened three banking apps, found two forgotten passwords, and stared at a credit card balance that makes your stomach drop, forty minutes are gone—and you've accomplished nothing except feeling worse. So you close the laptop and tell yourself you'll deal with it "when things settle down." Here's the problem: things never settle down. The debt doesn't need a calmer version of you. It needs ten minutes. Most people believe getting out of debt requires a heroic overhaul—a spreadsheet with forty tabs, a budgeting app you'll abandon by February. That's not true.