Start here
Start here
Pick the sentence that is true today. These paths are for this month, not for a lifetime plan.
Who this is for. Adults in the United States already under pressure.
Who should skip this. Readers who only want a definition. Use Evidence or Foundations.
Who should skip this. Readers who only want a definition. Use Evidence or Foundations.
Live paths
- I may not make this month’s bills — also the path for “I got a bill I cannot pay.” Protect housing, utilities, food, and medicine first.
- My credit card balance is growing — the number is rising or not falling while you pay. Leave if rent is at risk.
- I am late, or in collections — name the stage: original company, collector, or court paper.
- I earn enough and still run out — the paycheck looks fine and the month still ends empty, short, or on a card.
Uses a Foundation instead
- I do not have a cash buffer — goes to the $400 test. That page is the method.
Related: Foundations · Playbook · Home chooser