
Why Most People Never Reach Zero
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.
Thoughts on the system, the shift, and the path toward zero.

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.

The price tag on something you finance is almost never the real price. There’s a second number most people never look at.

Minimum payments are one of the most profitable inventions in modern finance. Not for you — for the bank.