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Fix your money in the right order.
Most money advice fails because it's out of order. Debt first, then a budget that runs itself, then investing. Work through these three tracks and you'll be ahead of most people you know.
Get out of debt — with math, not vibes
Avalanche vs snowball, what your credit score actually costs you, and how to pay balances down years faster on the same income.
Build a budget you can actually keep
Zero-based budgeting in 20 minutes and the 3-account system that automates the whole thing so willpower stops being the plan.
Put your first dollars to work
Index funds vs ETFs, retirement math in your 30s, and exactly where your first $1,000 belongs once the debt is handled.
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Every topic above is a video too — new Shorts daily, full breakdowns every Thursday.
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The most common money questions
How long does it take to pay off $30,000 in debt?
At $500/month, avalanche method: about 5.5 years and $7,800 in interest. At $1,000/month: under 3 years and $4,200 in interest. The extra $500/month cuts two and a half years off your timeline.
▶ Watch the full breakdown →What is zero-based budgeting and does it actually work?
Every dollar gets a job before the month starts — income minus expenses equals zero. It forces you to be intentional. Most people find $200–$600 in monthly spending they didn't know was leaving.
▶ Watch the full breakdown →Should I pay off debt or invest?
If your debt interest rate is above 7%, pay it off first. If it's below 7% (like a mortgage or federal student loan), invest simultaneously. High-interest credit card debt always comes first.
▶ Watch the full breakdown →What's a good credit score and how do I get there?
750+ opens every door: best mortgage rates, best credit cards, lowest insurance premiums. The fastest levers: reduce utilization below 10% and dispute any errors. Most people move 40–80 points in 90 days.
▶ Watch the full breakdown →How much should I have in an emergency fund?
3 months of expenses minimum, 6 months if your income is variable or your job is at risk. Keep it in a high-yield savings account (4%+) — never the stock market.
▶ Watch the full breakdown →Is $200/month enough to start investing?
Yes — $200/month in a total-market index fund at 8% average return grows to ~$180,000 in 30 years without touching it. Starting early matters more than starting big.
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