Step 3: The First 90 Days Debt Plan

New here? Start with → Step 1: The Diamond Standard Method

Structure first. Strategy second. Speed third.

This is the execution phase.

Step 3 removes financial pressure fast by directing focused, measurable action toward your highest-impact debt.

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What This Step Does

Step 3 turns your structured budget into targeted debt reduction.

You already created:

• Clear income visibility
• Controlled spending limits
• A defined progress number

Now that progress number gets a mission.

Debt stops being emotional.
It becomes mechanical.

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The Objective of the First 90 Days

The goal is not perfection.

The goal is momentum.

In 90 days you will:

• Eliminate at least one balance or
• Significantly reduce your highest-interest account
• Lower total monthly financial pressure
• Build confidence through measurable progress

Pressure drops when balances shrink.

Momentum builds when numbers move.

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The Diamond Attack Rule

You do not attack everything at once.

You choose one primary target.

Select:

• The highest interest rate or
• The smallest balance for psychological acceleration

Commit fully.

All extra funds from your Progress bucket go to this single target.

Minimum payments continue on everything else.

Focus creates speed.
Speed creates motivation.

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90 Day Execution Framework

Month 1: Stabilize and Strike

• Confirm all minimum payments are automated
• Lock spending inside your Step 2 limits
• Send your full Progress number to the primary target

Track the balance weekly.

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Month 2: Increase Pressure

• Identify any expenses you can temporarily compress
• Redirect bonuses, overtime, or extra income
• Maintain strict allocation discipline

Your target balance should visibly decline.

You are building proof.

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Month 3: Close or Crush

• Finish the balance if possible
• If not, aim for a dramatic reduction
• Recalculate your new monthly minimum structure

When one debt falls, capacity expands.

Your next target becomes easier.

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Rules of Execution

1. No new debt during the 90 days.
2. No emotional spending spikes.
3. No changing targets mid-cycle.
4. Review balances weekly.

Consistency beats intensity.

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What Changes After 90 Days

You will notice:

• Lower monthly pressure
• Improved cash flow flexibility
• Increased financial confidence
• Clearer long-term direction

The first 90 days are not about becoming debt-free.

They are about proving you are in control.

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Continue the Path

→ Step 1: The Diamond Standard Method
Establish clarity. Reset your baseline.

→ Step 2: Build Your Budget
Create structure. Assign every dollar with intention.

Precision finance. No noise.