Best for when:
Debt keeps creeping upward and you need control without relying on willpower.
The outcome:
In 3 weeks, a client reduced their debt accumulation rate from ~$1,258/month → ~$440/month while keeping savings stable and reducing credit volatility.
What we changed:
Rebuilt their cashflow system so money had clear jobs
Established debt ratios that prevented upward drift
Added a weekly tracking loop to coordinate payment velocity
What they left with:
Debt controls + pacing rules + a system that catches drift early.