My Story: I Failed at This for 2 Years Before Paying Off $160K

Hey, I'm Derek. I'm the creator of the Debt Efficiency Method. A bit about me. I had debt like everybody else. A mortgage, two car payments, student loans and a few credit cards. But the debt drastically increased during a period of me attempting to remodel a house that I have as quickly as possible. I drove the debt on the credit cards to about a hundred and sixty thousand dollars across 14 different cards. Hundred and sixty thousand dollars. Ended up. So everybody else tells you to do. I looked up the fastest way to pay this debt off. Came down to like two answers. I could choose the snowball, you know, pay balance first, get a quick win, build some momentum, and then you've got the avalanche method. Paying highest interest rate first, money over time. Both. And here's what nobody tells you about either. One. Alright. Your budget doesn't feel any different until all that debt is completely gone. If your payoff period is three years away, you're not gonna that budget for three years. You just keep doing the math, keep making minimum, keep watching your cash flow say exactly as always been. I did this watching events wipe dollar baby step. A few times, a few times back to debt rest. It. Always that way. Paying consistently stress over how tight my budget was and how tight my paychecks were each time making unneeded sacrifices. It just didn't work. Not because I didn't try hard enough. Because neither method was actually built around the thing that I needed most, which was room to breathe in my budget. And now, not eventually built around how life actually works, not make believe, momentum, problem. That hundred and sixty thousand dollars in four years, starting with about $200 left over of failing, then four years of success. So I started cards differently. Not by balance, not by interest rate, by one number. Paying every single month divided by what I owed? Minimum payment divided by the balance. That number tells you something the other two methods don't. It tells you which card is actually squeezing your monthly cash flow right now, regardless the biggest balance, smallest or worst interest rates. And when I 14 cards by that number instead, the order wasn't anything like I expected. It wasn't like the snowball or the avalanche would to do. The car that was actually hurting me the most wasn't the biggest one, it wasn't the highest rate one. It was the one that I probably would have paid off last under the popular methods. I attacked that card first. And here's the thing. I didn't wait till years to fill it. My minimum payment dropped noticeably the next month, not when everything was paid off the next month. Whole unlock. Not a budget, not cutting my lifestyle, not a side hustle, just. Just attacking the right order. The order that actually frees up the fastest, not the order that feels good or the order that mathematically optimizes your interest, is how you actually live. $160,000 in cars, gone. Here's what people don't tell you. Enough. I'm not done. I are running this exact same system right now. Against $140,000 in student loans after four degrees between us, a mortgage, two car payments. Method, same ranking, same attack. The one that actually cost you the most, that feels like it should. This isn't a guy who fixed his life once, you some story. I'm using this right now on real debt in my own house today. Tool that does this automatically for you. It ranks every tells you exactly which one to attack, shows you how bills across the month, how to budget right way, and walks you through the whole thing. Not because I a product, because I built it for myself first. And then I realised the number of people stuck was was enormous. And most of heard that there's a third option beyond snowball and avalanche. It's free. Full full tool, no catch. Bio. And if you wanna go deeper, community around this to live coaching and all. Also free free to join. You need a better budget. You need to know exactly which off first and which one's actually costing you the most. That's it. That's the whole thing.