Half your monthly payment, every two weeks. That is 13 full payments a year instead of 12, and every extra dollar beats the average daily balance game.

The day your debts hit zero, the same money flips to savings and investments. Nothing new to find in the budget.

The share of your pay you actually keep. Earn 50k and save 5k, that is 10%. Earn 100k and save 4k, that is 4%. Killing the debt is how the number goes up.

A stock run-up, a good night, a bonus. Send a piece of it at your debts and watch your debt-free day jump closer.

Apply my win

Set your mortgage, car, and loans to draft every two weeks instead of monthly. That is the extra payment a year, working for you automatically.

1. Open the biweekly program below.
2. Add each debt from your Debts tab.
3. Let it draft half your payment every two weeks.

Open the biweekly program

Had a run-up in a stock, fund, or crypto? Send a slice straight at your debt. This writes the request letter for your brokerage. Fill the blanks, copy it, send it.

Write my letter

The programs I use myself to put these moves into practice.