Worked: choose a debt focus without hiding trade-offs
Compare debt-payoff focus choices and explain the coaching trade-off.
Client has $120 medical bill in collections, $900 credit card at 24%, and $450 store card at 12%. Extra payment capacity is $80. Work the budget coaching problem in visible steps: define the gap, locate the driver, choose a small action, and name the check-in evidence. Step 1 Urgent consequence: $120 medical bill in collections Consequences can outrank interest because they affect stress, calls, and credit harm. Step 2 Highest interest: $900 card at 24% After urgent consequences, this is the mathematically expensive debt. Step 3 Plan: $80 to medical bill now, finish next cycle, then redirect $80+ minimum momentum…
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