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Spending cuts hit twice: they free up money to invest and shrink the nest egg you need (every $100/mo cut = $30,000 less required at a 4% withdrawal rate). That's why they usually beat raises of the same size.
Charges from the same merchant at similar amounts, found automatically. Each $10/month subscription requires $3,000 of nest egg to sustain forever (4% rule).
| Likely subscription | Per month | Per year | Nest egg cost |
|---|---|---|---|
| Import a CSV to scan for recurring charges | |||
| Merchant | Transactions | Total spent |
|---|---|---|
| — | ||
Avalanche (highest APR first) always wins on math. Snowball (smallest balance first) wins on motivation — quick kills keep people going. Freed-up minimum payments roll into the next target in both.
Each conversion becomes penalty-free 5 tax years after it's made (the "5-year rule"). Tax estimated at your marginal rate — real brackets are progressive. Educational only, not tax advice.
Fixed real: same inflation-adjusted amount every year. % of portfolio: fixed share of current balance (income varies, never fully depletes). Guardrails: cut spending 10% after bad stretches, raise 10% after great ones.