Hi Reader,

Every month, I share exactly where our debt stands. Here's where we are at the end of May.

The balances

The three-paycheck month

May is one of those months when I get three paychecks instead of two. Luckily, I was able to use this extra paycheck as a big chunk towards the Apple Card, as well as funding the remainder of our anniversary trip.

Just like last month, before starting our debt payoff journey, we would have just thrown our extra income from tax refunds into something fun or somehow wasted it on frivolous spending.
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Having an actual plan and goals that we're moving towards means that we're making serious progress.

The payoff date has officially moved up from October 2029 to August 2029!! We're on track to cut off TWELVE years of debt payments and save over $60,000 in interest.

A little update

I'm about to do something that doesn't look like progress on the surface, and I want you to know where I'm coming from.

For the next 90 days, June 1 through August 30, I'm stepping back from most of what I usually do here.

I'm calling it my Mental Health Reset. The short version is that I've been trying to figure out what's going on with my mental health, and it's hard to do that when I'm not taking care of myself in the first place. The doom-scrolling, the late nights, the busyness of running a business while working day jobs while raising two kids... frankly, I'm burnt out, and I need some rest.

During this time, I'm working on my three pillars:

1. Better financial habits: a no-spending challenge, debt paydown stays on the accelerated plan, and a deep audit of our money and financial goals
2. A closer relationship with God: daily Scripture, weekly Sabbath, and learning to start the day without a screen
3. Self-care: workouts, sleep, eating well, and the basics done consistently

If you want the whole framework, I'm using my 12-week planner in Notion to track everything. If you want to do this alongside me, you can grab it here

What you can expect

Not much, for 90 days...

When I come back fully in September, I'll tell you honestly what happened. What worked, what didn't, what I learned about myself, and what I'm doing differently going forward.

Thank you for being here while I figure this out,