You don't need a lecture. You need a plan and someone to check in on you.
We coach young families in the Philadelphia area through paying off debt and building a budget that survives contact with real life. Trained financial coaches, and we'll show you the math behind every recommendation.
Start with the math, free
Every calculator here is free and works without an account. If they answer your question and you never contact us, that's a good outcome.
Snowball vs. Avalanche
See what ordering your debts differently actually costs, and what it buys.
Recast vs. Refinance
Six things you could do with a lump sum and a mortgage, compared on one screen.
Articles
Plain explanations of the decisions families actually face.
Recent writing
Every debt calculator asks a question you can't answer yet
They all want to know how much extra you can pay each month. Almost nobody knows. Here is how to find it.
Debt Snowball vs. Avalanche: What the Difference Actually Costs
The avalanche is cheaper and the snowball gets a win sooner. Here is how to find out what that trade is worth for your debts.