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My MoneyThe day-to-day engine — what comes in, goes out, and what you may be owed.My AssetsEverything you own, valued and reconciled in one place.My PlansForward-looking projections for tax, estate, retirement and budget.My ToolsYour whole picture read in one place — the moves worth considering, in order.My DetailsAccounts, documents and settings that power the whole system.
Learning LibraryPlain-language lessons across every money topic — read, watch, and go as deep as you want.OWN YouthFinancial literacy for the next generation — built for youth, parents and teachers.
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Territory 02 · Debt & credit

Borrow on your terms — and clear the expensive debt first.

Every liability in one view, sorted by what it really costs. Kill high-rate balances first, keep cheap and productive debt working, and build the credit history that makes future borrowing cheaper.

19.9% — the rate on a revolving card balance — the most expensive money in most households, and the first to clear.

Lessons

  • Good debt, bad debt, and the number that separates them — Core · 5 min read
  • Avalanche vs. snowball: the payoff order that wins — Easy · 5 min read
  • Building a usable credit score — Easy · 4 min read
  • The minimum-payment trap — Easy · 4 min read

Reads

  • The real cost of carrying a balance — Featured · 5 min read
  • What your credit score is actually measuring — Article · 4 min read
  • When borrowing is the smart move — Article · 5 min read

Charts

  • Debt by cost of carry — See what each balance costs
  • Payoff order & timeline — The fastest route to clear
  • Credit utilization — See how this reads for the sample household

Open Debt in the app