Debt Freedom pathway
Let's put all the cards on the table.
Debt doesn't change where you can go. It changes the first part of the route. Future You starts with knowing what you owe.
Where the route begins
Your Starting Line
Total debt
$0
Current required repayments
$0/month
Extra available
$0/month
High-cost / short-term debt
$0
- Nothing here.
Longer-term / asset debt
$0
- Nothing here.
Study / other
$0
- Nothing here.
Future You
Is being debt-free part of Future You?
Before we accelerate
If something unexpected happened tomorrow, what would you use?
Three ways to run this
Which pathway feels right?
My Freedom Formula
Here's the route from today.
=FREEDOM(Repayments, Extra_Money, Consistency, Time)
What's in this formula?
Your required repayments keep going, your extra money attacks one debt at a time, and every cleared repayment rolls onto the next. Time does the rest.
Debt today
$0
Current required repayments
$0/month
Extra available
$0/month
Projected Debt Freedom date
October 2026
Interest estimated at $0 on this pathway
Every debt you clear releases money for the next part of Future You.
- Future FundWhere freed-up repayments end up once the debts are gone.
=PROGRESS(Old_Payment → Next_Priority)
What's in this formula?
When a debt is cleared, its repayment doesn't quietly go back into spending — you decide which part of Future You it funds next.
Stage 2 of 4 · MEASURE