No. of Recommendations: 1
Cash is Cash and Debt is Debt

And net worth is a reflection of Cash less Debt (Simple form)

$100 worth of debt at 10% (Lowball) = -$10

$100 of savings is making (Stretch) 2% = +$2

Carrying debt while having savings = -$8

Simple example of reducing debt by more than payments.

Now I'm planning for everything

Sorry but that is impossible.

I don't disagree with not adding to cc's, but the rate differences are costing you until the debt is cleared.
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