BBoss Finances
All pillars
Pillar 03 · Debt Elimination

Snowball or avalanche?
We'll show the math.

Pick the method that fits your life — we automate the rest. No more negotiating with yourself every paycheck.

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The number

$11,800

average debt eliminated by members in year one

Self-reported by closed-beta members. Your results will vary.
What's inside

Everything you need for debt elimination.

Side-by-side method comparison

Snowball (smallest balance first) vs. avalanche (highest APR). Real numbers, your debts.

Payoff date forecast

See your debt-free date update in real time as you make extra payments.

Auto-allocation rules

Every paycheck, the snowflake amount goes to the right card automatically.

APR-reduction playbook

Scripts for negotiating lower rates with your card issuers. Most members get a yes.

How it works

Three steps. No fluff.

Step 01

Pull your debts in one place

Cards, loans, BNPL, medical — every balance, every APR.

Step 02

Pick your method

We model both. You pick the one you'll actually stick to.

Step 03

Automate and watch the line drop

Weekly check-ins. Boss Money AI flags wins and tweaks the plan.

Common questions

Specifics, not slogans.

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Credit Building & Repair

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Emergency Fund & Savings

All six pillars, one membership.

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