Leak Ladder

The Leak Ladder: Do These In Order Or Waste Years

10 min read|Leak LadderFinancial LeaksBudgetingDebtEmergency Fund

There's a specific order to fixing your finances. Skip a rung and you undo the ones above it. Here's the full Leak Ladder, rung by rung.

Joy Casfhir

How YourDigits Builds Your Budget From Your Leaks

6 min read|Budgeting FlowSystem AllocationsLeak LadderYourDigits

Most apps give you a blank budget and a + button. YourDigits drafts the whole thing from your audit answers, with the leak fixes funded first. Here's the flow.

Joy Casfhir

I Paid Off Debt Before Building an Emergency Fund (And Ended Up Back in Debt)

3 min read|Emergency FundDebtLeak Ladder

Aggressively paying off debt with no savings buffer sounds smart until one emergency puts you right back where you started.

Joy Casfhir