Day 18 of 90 · UNDERSTAND · Week 3: Give Every Dollar a Job
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Reduce Debt
Decide what goes beyond minimums.
About 5 minutes
Learn
Minimum payments keep an account current. Anything above the minimum is what actually reduces the balance meaningfully.
The higher the interest rate, the more expensive it is to carry the balance another month.
You do not need a full strategy yet — only a monthly amount you can sustain.
Do
Set the monthly amount you will direct to debt reduction beyond minimums.
Think About It
What would change in your life if your most expensive debt were gone?
Optional — no answer needed to continue
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