Vol. 2 - The Debt Trap

VOLUME 02 — The Debt Trap

How debt compounds against you — and the system for getting out · 22 pages · $5

Short version

Credit scores, cards, student loans after the 2026 overhaul, car loans, and the order of operations for killing debt. Includes the psychology that keeps smart people stuck.

Full description

Debt is where most people's financial lives actually go wrong. Not because they're reckless — because the products are engineered to be misunderstood.

Credit cards advertise rewards and hide the math. Car dealers sell monthly payments and hide the total. Student loan paperwork reads like it was written to be skipped.

Volume 02 shows you the math they don't show you.

What you'll learn:

• How interest compounds daily — why a 24% card actually costs you 27% a year
• Credit scores decoded — the five FICO factors, which one moves fastest, and the myths that cost people money
• Credit cards: tool or trap — the grace period, the rewards illusion, and why the minimum payment is engineered
• Student loans after the 2026 overhaul — RAP, the plans being phased out, and what you have to do about it
• Car loans — why the 84-month payment that "saves" you $222 a month costs $2,960 more
• The payoff system — order of operations, avalanche vs. snowball, balance transfers, and what to avoid
• Why smart people stay in debt — minimum-payment anchoring, payment decoupling, lifestyle creep, and debt shame

Includes a fillable debt inventory, attack plan, credit tracker, and a progress thermometer.

Read this if: you have a balance you've been paying minimums on, a car loan you're not sure about, or student loans you haven't looked at since the rules changed.

For educational purposes only. Not financial advice. Rates and federal loan programs change — figures were current as of August 2026.