STOP making minimum payments
Most working professionals drowning in debt are just making minimum payments on their credit cards. The problem with this is you're paying mostly interest every month while barely touching the actual debt. You're trapped in a cycle where the credit card companies win and you stay broke. This leads to years of stress, watching your debt barely move, and feeling powerless while thousands of dollars disappear to interest payments. After helping a veteran save over $34,000 in mortgage relief and guiding multiple people from debt to financial freedom, here's what I'd use instead: The Debt Snowball 2.0 System This is because you attack your debts strategically with behavioral coaching, custom tracking, and accountabilityânot just throwing money at minimums and hoping things work out. Which leads to faster debt elimination, improved credit scores, and actually seeing progress every single month. Now, working professionals, you can think about it like this⌠Do you want to stay stuck making minimum payments for the next 10 years? Or would you prefer to eliminate $6K in the next 3 months and actually become debt-free?