Most people who want to pay off debt never actually sit down and find out how much they owe. That single avoidance is the first thing standing between where you are and zero.

Rahul lays out the exact plan he uses to pay debt down, step by step, from the smallest credit card balance to the biggest financial mountain. Van pushes on the questions most people are quietly asking, including whether any debt can actually be considered good and what happens when bankruptcy becomes the only realistic option.

There's a moment where they break down what a single four dollar coffee actually costs you over time once interest gets involved, and it reframes almost every small purchase that gets swiped onto a card. The plan they walk through doesn't change based on how deep the debt is, which is exactly what makes it work.

If you've been avoiding the number, this is where you stop.

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