Why Most People Never Reach Zero
April 17, 2026
Most people don’t carry debt because they’re irresponsible. They carry it because the system is designed to make it feel manageable, normal, and unavoidable.
- Journal
Clarity Over Noise
Thoughts on the system, the shift, and the path toward zero.
The Hidden Cost of Carrying Balance
April 17, 2026
The price tag on something you finance is almost never the real price. There’s a second number most people never look at.
Why Minimum Payments Exist
April 17, 2026
Minimum payments are one of the most profitable inventions in modern finance. Not for you — for the bank.