How To FIRE Your Debt: the 90-Day Termination Plan for Money That Works Against You

Debt is an employee you never meant to hire. It produces nothing, attends no meetings, and takes a fixed cut of your income every month. You would have fired that employee years ago.This is the termination plan.No shame, no coffee lectures, nothing to buy at the end. Just the arithmetic most debt books leave out, the psychology they ignore, and a process you can run in thirty minutes a month.Inside: - One free change you can make today that can save you years of payments- How interest, grace periods and credit files actually work - including the "0% for 12 months" trap that backdates the whole bill- Why intelligent, numerate people carry expensive debt, and what actually changes it- Avalanche vs snowball, with the full maths on a real case- Word-for-word scripts for cutting your interest rate over the phone- Consolidation: when it helps, and when it quietly doubles your debt- Relapse, shame, and the conversations nobody wants to have- Seven printable worksheets and a glossaryTwenty-eight years. That is how long an $8,400 card at 26.9% takes on minimum payments. Freeze that same payment at today's amount, and it clears in four years and three months.That is one instruction to your banking app. The rest of the book is what comes next.