Get out of debt with the actual math.
Payoff order, credit card interest, and the numbers nobody shows you — worked through in full, so you can see where your money actually goes. New Shorts daily · Full breakdown every Thursday, 2 PM ET.
$24,000
Three debts. $300 extra a month. Highest rate first.
Clears in 31 months, saving about $1,987 in interest.
Watch $24,000 disappear.
Three debts at 24%, 14% and 6%. An extra $300 a month, highest rate first. This is the arithmetic, not a projection.
- Balance
- $24,000
- Month
- 0
- Interest saved
- $0
Know exactly when you'll be debt-free.
Most people guess. This tracker does the math for you — enter your debts, pick your strategy, and see a real payoff date. Takes 5 minutes to set up.
Enter your email and we'll send the Excel file straight to your inbox.
Free Download
Debt Payoff Tracker
Avalanche + Snowball calculators · Month-by-month tracker · Instant comparison
- ✓Debt Inventory — list every debt in one place
- ✓Avalanche calculator — minimize total interest paid
- ✓Snowball calculator — build momentum with quick wins
- ✓Side-by-side comparison — pick your strategy
- ✓Monthly payment tracker — stay accountable all year
One Channel Is Never the Whole Story
Long-form on YouTube, 60-second versions on TikTok and Instagram, audio on the podcast, and written guides on the blog. Follow where you actually spend your time.
YouTube
@MoneyTalkStraight
New Shorts daily · full breakdown every Thursday
TikTok
@moneystraighttalk
60-second money moves
@talkstraightmoney
Money tips & Reels
Money Straight Talk
Join the community
Podcast
Money Straight Talk
Every episode, audio-only
Blog
money-straight-talk.ghost.io
Written deep-dives & guides
The money questions everyone Googles
Debt avalanche or debt snowball — which pays off debt faster?
The avalanche (highest interest first) saves the most money. The snowball (smallest balance first) keeps you motivated. We ran the numbers on both — the difference can be thousands of dollars.
Watch the full breakdownHow do I start investing with $100 a month?
Open a Roth IRA or brokerage account, drop everything into a total-market index fund, and automate the contribution. That's it. We cover exactly where to go and what to click.
Watch the full breakdownWhat's the fastest way to raise my credit score?
Pay down credit card balances below 10% utilization, dispute any errors on your report, and don't close old cards. Most people see 40–80 points in 90 days.
Watch the full breakdownHow much do I need to retire?
Multiply your annual expenses by 25 — that's the "4% rule" target. Most people are shocked how achievable it is once they see the actual math broken down decade by decade.
Watch the full breakdownFrom the Blog
All articles →Sep 16, 2026
What a Bare-Bones Budget Actually Looks Like on $75K
Discover what a bare-bones survival budget really looks like on a $75K salary — category by category, with real numbers you can actually use.…
Sep 13, 2026
How to Use a Balance Transfer Card to Kill Credit Card Debt Faster
Learn how to use a balance transfer card to eliminate credit card debt faster with zero interest, a smart payoff plan, and traps to avoid.…
Sep 2, 2026
The 401k Contribution Rate That Actually Changes Your Retirement Date
Discover the exact 401k contribution rate that can move your retirement date by nearly a decade—without blowing up your monthly budget.…
On the Podcast
All episodes →Same talk, every format
Every topic ships as a video, a Short, a podcast episode, and an article — pick your favorite way to learn and follow there.