You already know the method. This is me building the whole year for you, done once, up front. Here’s everything that comes back to you inside 24 hours.

Your Monthly Survival Number, confirmed to the dollar from your real income and bills, not a number a generic calculator would guess.

The exact order to pay down your cards, worked out to save you the most in interest, with the real calendar date each one clears.

What carrying those same cards at minimums only would have cost you, so you can see what the plan actually saves.

Your account stack: exactly which accounts to open or use, and in what order, so the money has somewhere real to land.

Every transfer for the next twelve months, mapped against your real pay dates: which account, how much, and when, written down so nothing gets decided in the moment.

A calendar file for your phone, loaded with every payday, every card payoff, and the four checkpoints across the year, so it’s already there instead of something you have to remember.

A plan for the month that doesn’t go the way it’s supposed to: what gets cut first if income drops, what never gets touched, and where the money comes from at $500, $1,500, and $5,000 levels of trouble.

Direct email access to me for 90 days. A question, a change in your numbers, or something big shifting, reply and I answer within 48 hours. No calls, ever.

If the first payday on it doesn’t feel right, tell me what’s off and I rebuild it once, no extra charge.

$997.