Debt Payoff Tracker

A 35-year-old associate at a management consulting firm has been accumulating debt across six accounts over the past five years: two credit cards, a car loan, a personal loan from a bank, a medical payment plan, and a remaining student loan balance. She has been paying minimums on all of them. She has never seen the full inventory in one place, doesn't know the interest rates on four of the six accounts, and cannot tell you what her total debt balance is. She came to coaching around career decisions but mentioned in passing that her financial situation 'limits my options.' The Debt Tracker produces the inventory and the prioritized payoff sequence that converts paralysis into a sequence she can actually follow.

Frame this as building the full picture before building a strategy. 'You've been managing six accounts separately. This ...