When you look at your monthly minimum payment and think, "Okay, $340 a month. I can handle $340."
That's the exact f*ckin problem!
$340 is not the cost of your debt.
$340 is what it costs to ignore it another month.
And do you know what happens to things you ignore?
Everything eventually works out and there's never any issues...
Wait.
Sorry.
I was reading cliff notes from my therapy session.
One sec.
I know I left it here somewhere...
Here it is.
When you ignore things, EVERYTHING GOES TO SHIT!
Let’s do some math. And by let's, I mean me. Because you clearly can't.
The average APR on credit cards carrying a balance hit 22.15% in Q2 2026, according to the Federal Reserve’s G.19 report.*
On an $8,000 balance, that’s roughly $1,760 a year in interest.
Not principal. Just interest.
And for anyone who missed that day in school, interest is fee you pay for the privilege of still owing the money.
So what does $1,760 buy?
A bunch of who-thefuckity-fuck-cares. That's what.
'Cuz let's be so for real right now, you probably use the card you're carrying a balance on.
Which means you'll be paying that card how long?
And you probably jacked it up on things you don't even remember.
That’s the sacrifice nobody talks about. Debt doesn’t take your money. Your money’s gone. Debt takes your next money. It reaches into a year you haven’t lived yet and spends it for you.
Two moves fix this.
One: stop feeding it. No new charges on that card. None. I don’t care about the points.
Two: stop paying 22% if you don’t have to. If your credit is decent and you’ve got a chunk of high-interest debt, a personal loan at a lower rate does the exact same job for less money. Same debt, smaller bill, faster exit.
That’s where today’s sponsor comes in.
MoneyLion lets you check rates with a network of 500+ partners in one place. Checking your offers doesn’t affect your credit score, so you can look before you commit.
Now the fine print, because I’m not going to pretend this is magic.
he's so talented
A lower rate only helps if you don’t run the cards back up. Plenty of people refinance, feel the relief, and have fresh card balances by spring. Now they’ve got a loan and the cards.
Don’t be that person.
Read the APR, the term, and the origination fee before you sign anything. The lowest monthly payment is usually the longest loan, and the longest loan usually costs the most.
Rates and terms vary by credit profile. Terms apply.
Refinancing debt doesn’t erase debt. It just stops the bleeding while you do the actual work.
So like, do the actual work.
Taquitos,
Caleb “Compound FUCKING Interest” Hammer
P.S. If your debt situation is genuinely unhinged and you want me to say so out loud, on camera, we’re casting new episodes of Financial Audit.
And I think people misunderstand what I mean when I say unhinged.
"Caleb, I can't seem to pay off my student loans. Oh no!"
That's not what I mean.
I want people who've maxed out their credit card getting top surgery for the least attractive member of their throuple.
I want dipshits with their heads so far up their asses, they've been to three interventions they're still not sure if those weren't just really awkward parties.
And for the love of god, if you're a little person with a coke problem and an OF account, I want you so bad my team is worried.
(I'd do almost anything for that one.)
If you or your loved ones fit this description or know of someone who does, please apply below.
