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Real Cases
from YouTube

Every Wednesday and every Saturday, a new case on the channel. Here is each one, step by step — the video, the story, every month of the plan, and the spreadsheet itself, so you can open it and check my math.

Sandy's case: $24,180 to $0 in 14 months

Case 8 · Steady paycheck, tips that change every month

Sandy — $24,180 to $0 in 14 months

A hairstylist with eight debts and $45 left in her weakest month. Step Zero found $127. Debt-free with $1,243 a month back.

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Walter and Dorothy's case: $28,040 to $0 in 18 months

Case 7 · Retired, Social Security and a small pension

Walter & Dorothy — $28,040 to $0 in 18 months

Retired, house paid off, nine debts and $114 left at the end of the month. Step Zero found $289. Debt-free with $1,405 a month back.

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Megan's case: eight pay-later plans, $24,810 to $0

Case 6 · One paycheck, eight pay-later plans

Megan — $24,810 to $0 in 18 months

Columbus. Eight "small" pay-later plans took $830 a month. Rule one: no new plan. Debt-free with $1,317 a month back.

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Thomas and Jessica's case: $89,524 debt to $0

Case 5 · Two paychecks, five maxed-out cards

Thomas & Jessica — $89,524 to $0 in 33 months

Seattle. Illness, bankruptcy, job loss, and five maxed-out cards. Step Zero found $730 a month; debt-free with $2,740 a month back.

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Elisabeth's case: $17,000 debt to $0 on one paycheck

Case 4 · One paycheck, every other Friday

Elisabeth — $17,000 to $0 in 21 months

A single mother, seven debts, and nothing left at the end of the month. Debt-free, with $590 a month back in her pocket.

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Nick and Stephanie's case: $38,900 debt to $0 in 18 months

Case 3 · Two paychecks, every Friday

Nick & Stephanie — $38,900 to $0 in 18 months

Three kids, a mortgage due on the 15th, and $350 in checking. Debt-free, with $1,237 a month back in their hands.

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George and Ann's case: $44,260 debt to $0 in 18 months

Case 2 · Two paychecks, every two weeks

George & Ann — $44,260 to $0 in 18 months

A young family, a hospital bill from George's illness, and $100 in checking. Debt-free, a trip to Disneyland, and $12,932 saved for baby number two.

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Denise's case: $13,580 debt to $0 in 13 months

Case 1 · One paycheck, twice a month

Denise — $13,580 to $0 in 13 months

$7 left at the end of the month. No gym cancelled, no streaming cut. Cash Release, then Snowball, then Avalanche — three methods, one road.

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Names are changed. The numbers are real. I'm an accountant — not a CPA, and not a financial advisor. I do the math and show you the options. The decision is always yours.

Want your numbers on the channel?

Send me your case under a made-up name. Balances, payments and interest rates are all I need — never account numbers.

SEND ME YOUR CASE GET THE FREE SPREADSHEET