The Grant Keller Method
1
Name the pressure
Cards, minimums, fees, and timing.
2
Run the math
APR, payment, term, and total cost.
3
Choose the move
A fixed plan only if it improves the path.
Decision rule: if the new plan is not clearer, lower, or more predictable, keep comparing.
High Performance Wealth Coach
The calm, numbers-first way to face credit card debt.
A guided debt reset experience for people who want discipline, not shame. Check consolidation options, understand the tradeoff, and make one clear financial move.
Old patternMultiple due datesVariable APRs
Reset patternOne monthly targetFixed-term visibility
First actionCheck optionsNo score impact
Start with the balance that keeps pulling focus.
Credit card debt
See if one fixed payment could simplify the month.
Multiple balances
Compare debt consolidation options side by side.
Coaching plan
Start with the numbers and build the next step.
Checking your rate won't affect your credit score.