<p>Most people don’t fail at paying off debt in year one.<br>They fail in <strong>month one</strong>—because they try to do <em>everything</em> instead of the <em>right things</em>.</p><p>In this episode, I’m walking you through <strong>exactly what to focus on in your first 30 days of debt payoff</strong> so you can build traction without burnout. No chaos. No perfection. Just a simple, boring, effective plan that works in real life.</p><p>We’re breaking it down <strong>week by week</strong>, including:</p><ul><li><p>Why the first 30 days are about <strong>stability, not speed</strong></p></li><li><p>The <em>non-negotiable</em> step most people skip (and regret)</p></li><li><p>How to choose your debt payoff method—and stop switching plans</p></li><li><p>How to reduce decisions so you don’t burn out</p></li><li><p>What usually derails people in month one (and how to plan for it)</p></li><li><p>Why motivation isn’t the problem—and never was</p></li></ul><p>You’ll learn how to:<br>✔ Build a starter emergency fund<br>✔ Lock in your debt payoff plan (snowball, avalanche—pick one and stick with it)<br>✔ Set up a simple weekly money check-in (10–15 minutes, max)<br>✔ Expect resistance <em>before</em> it shows up<br>✔ Make progress without needing a “perfect” month</p><p>If you’ve ever thought:</p><ul><li><p>“I know what to do, I just can’t stay consistent”</p></li><li><p>“I start strong and then life happens”</p></li><li><p>“I should be further along by now”</p></li></ul><p>…this episode is for you.</p><p><strong>Option 1: Do it yourself</strong><br>Use this episode as your month-one roadmap and start building momentum.</p><p><strong>Option 2: Grab tools to make it easier</strong><br>Download my <strong>Debt Payoff Tracker</strong> at <strong>jewlzthebudgetnerd.com</strong> to track progress and celebrate wins.</p><p><strong>Option 3: Don’t do month one alone</strong><br>Join the membership for coaching, accountability, and a community of parents paying off debt together—because support shortens the timeline and reduces restarts.</p><p>You don’t need more intensity.<br>You need <strong>consistency</strong>.</p><p>Progress compounds quietly—and month one sets the tone for everything that comes after.</p><p>🎧 Hit play and let’s build this the smart way.</p>