The final episode of the Lighter debt series. Maya and Dr Linda cover everything that happens after the balance transfer — how to calculate your exact target monthly payment, why automation beats willpower every time, what to actually do with the old cards, and what to do when a hard month hits in the middle of the window.

Missed Episodes 04 and 05? Start there — this series works best in order. Links in show notes.

Full show notes at lighterwithmaya.substack.com • Instagram @lighterwithmaya

Episode 04 turned the light on. Episode 05 hands you the tool. Maya and Dr Linda walk through the balance transfer move - the single most powerful strategy for getting out of credit card debt - step by step.

You will learn exactly how a balance transfer works, who it is right for, what to look for in a card, the biggest mistake people make after transferring, and how to use the interest-free window to clear the debt before the clock runs out.

Show notes include links to the strongest balance transfer cards currently available. Research is your baby step this episode - no applying yet. Just look.

Full show notes at lighterwithmaya.substack.com • Instagram @lighterwithmaya

If you have credit card debt, you are not irresponsible. You were almost certainly never properly taught how credit card interest actually works. This episode, Maya and Dr Linda turn that light on.

You will learn why the minimum payment is a retention strategy designed to keep you in debt, how compounding interest works in plain language, the three numbers on your statement that actually matter, and the avalanche and snowball methods for tackling multiple cards.

YOUR BABY STEP: Get every credit card statement. Write down three things for each card: balance, interest rate, minimum payment. Three columns. One piece of paper. See the full picture for the first time. Bring it to Episode 05.

Full show notes at lighterwithmaya.substack.com • Instagram @lighterwithmaya