Membership
The basics stay free, clarity shouldn't cost money. The Optimization Engine, which runs the full mathematical comparison, is for members.
Daylight Basics
The simple cash flow cycling calculator and the newsletter.
Free
- Cash flow cycling calculator
- Payoff timeline vs. minimum payments
- Weekly educational newsletter
Optimization Engine
The full engine, five allocation models compared side by side.
$10/month
- All five optimization models
- Timing optimization analysis
- Cash flow efficiency per dollar
- Comparison dashboard + timeline graph
- Month-by-month schedule
- Included free for your first month with any coaching session
- Cancel anytime
One-on-one coaching
Work through your own numbers with me directly, your income, your keep-out costs, your debts, and the exact cycle that gets you out fastest. The free videos and free calculator will always be there; this is the personal walkthrough.
Includes your first month of the Optimization Engine free, a $10 value.
$197 /session
Book a sessionSubscriptions renew monthly and can be cancelled at any time from your membership page. Everything Debt & Daylight publishes is educational only, not financial, legal, tax, or investment advice.