The Real Reason Your Debt Isn't Going Down (And How to Fix It)
- Katy Almstrom
- 5 days ago
- 1 min read

Making your minimum payments every month but your debt isn't going down?
You're not alone, and you're not doing anything wrong.
In this episode, I'm breaking down the real math behind why minimum payments keep you trapped - and the one shift that can cut years off your debt payoff timeline.
Spoiler: even an extra $25 per month makes a massive difference.
You'll learn:
Why minimum payments are mathematically designed to keep you in debt
The shocking truth about how long it really takes to pay off debt with minimums
How even $25 extra per month can save you thousands and cut years off your timeline
Practical ways to find extra money without huge sacrifices
Why momentum matters more than perfection when paying off debt
If you're tired of feeling like you're spinning your wheels with debt, this episode will show you exactly how to break the cycle.
Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat
Apply for Moneywise: katyalmstrom.com/moneywise
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