Build a stable baseline
Your baseline payment should fit your conservative monthly budget, not your best month.
Consistency over time beats occasional aggressive bursts.
Define acceleration triggers
Examples include tax refunds, bonus income, or subscription savings.
Pre-deciding where these dollars go removes decision fatigue.
Use a reset protocol for setbacks
If a disruption occurs, reduce to baseline, stabilize bills, and resume acceleration as soon as possible.
Do not interpret disruption as failure.