Raises are usually wasted
Most people absorb raises into lifestyle within 3 months. Directing 100% of a raise at debt cuts most payoffs in half and builds a habit that compounds — when debt is gone, redirect the same amount to investing.
Raise to Debt-Free Date
How a pay raise accelerates your payoff if applied to debt.
Results
New payoff timeline
34 mo
Without raise
80 mo
Months saved
46
Lifestyle creep warning
Keep current lifestyle = debt-free faster
Frequently asked questions
1.What about split — 50% raise to debt, 50% to life?
Reasonable compromise. Still cuts years off most debts while keeping motivation high.
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