Sometimes the things that feel the most responsible with your debt payoff are actually keeping you stuck. In this episode, I'm talking about "checking the box" - small, symbolic financial actions, including scattering extra debt payments across whichever card feels most urgent each month, that feel like progress but aren't connected to any real strategy. I'll walk through three real examples of this pattern (including one straight out of debt payoff), why it happens even to smart, capable people, and what to do instead: focusing your extra payments on ONE target debt instead of spreading them thin.

You'll learn:

• What "checking the box" looks like with your debt payoff specifically
• Why scattering extra payments across multiple cards feels responsible but doesn't work
• Why overwhelm leads us to choose whatever feels most urgent over real strategy
• How to shift from scattered extra payments to one focused debt snowball target
• Why this same principle applies to your whole financial picture, not just debt

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www.katyalmstrom.com/9-ways

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