"Normal is broke and common sense is weird." — George Kamel
Jade Warshaw & George Kamel, on the episode
Jade Warshaw and George Kamel field live calls from people buried in car repossessions, title loans, and decades-old debt they've been avoiding. The pop image of a budgeting show is just cut your Starbucks and stop eating out, but the operating system underneath these calls is sharper: debt almost always starts with asking how much a month instead of how much total, and it ends with a specific, sequenced attack rather than vague willpower. Across the hour Jade and George keep running the same math in public, taking a caller's actual numbers, stripping out investing and extra spending temporarily, and redirecting every spare dollar toward the smallest balance first. This protocol pulls the three clearest, most repeatable moves from those calls, the ones a reader trapped in payments right now can use starting this week.
List debts smallest to largest, pay minimums on all but the smallest, and throw every spare dollar at that one first.
Jade Warshaw & George Kamel says
I order every debt from smallest balance to largest, not by interest rate. I make minimum payments on everything except the smallest debt. I send every bit of extra margin I find straight at that smallest balance until it's gone.
Try this
Order debts smallest to largest, pay minimums on the rest, and send all extra margin at the smallest one.
