Catherine Morales

Solid plan and two quick add-ons: if your federal loans could qualify for PSLF or other forgiveness, skip extra principal and pay the minimums. Turn on autopay for the 0.25% rate reduction and put that savings toward the emergency fund. When you pivot to the down payment and map out PMI breakpoints and closing/move-in costs so you don’t end up cash-poor right after closing.

Haha and resetting routines sounds great on paper, but let's be real, those fancy planners and charts are just colorful distractions that end up collecting dust. I've tried it all, and the only thing that sticks is admitting you're human and starting with zero expectations. Doubt those three alarms will save you. maybe try laughing at yourself when you snooze and gently nudge into a walk anyway.