6Chapter 3 — Stop Avoiding the Numbers
18Chapter 15 — When You Slip
7Chapter 4 — The Emotional Side of Debt
19Chapter 16 — What Progress Really Looks Like
8Chapter 5 — Your Real Financial Snapshot
20Chapter 17 — One Year From Now
9Chapter 6 — The 30% Utilization Wake-Up Call
21Bonus Reflections
10Chapter 7 — Why Minimum Payments Keep You Stuck
22Closing Credits
11Chapter 8 — The Trap of “I’ll Fix It Later”
23Sample
12Chapter 9 — Debt Snowball vs. Strategy
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