I changed one thing and suddenly debt made sense after 22 tries

Context: I am not an expert, just someone trying to make Personal Finance feel less intimidating. I wrote down what worked, what felt awkward, and what I would do differently next time.

Context: I am not an expert, just someone trying to make Personal Finance feel less intimidating. I wrote down what worked, what felt awkward, and what I would do differently next time.

I had a disappointing first try, a surprisingly good second try, and then a third attempt that taught me humility. So, naturally, I now have opinions.