You’re In! Here’s Your Plan.
Everything you need is below.
Work through it in order — each step builds on the last.
STEP 1: START HERE
Complete this before anything else
Before you can fix anything, you need to see everything. The Debt Snapshot shows you exactly where you stand — your balances, your ratios, and what the math actually says about your situation.
The Calculator does the heavy lifting. Fill in your numbers and it tells you your debt-to-income ratio, payment-to-income ratio, and realistic payoff timeline automatically.
STEP 2: KNOW YOUR ZONE
Your personalized strategy based on where you’re at
Your quiz results already told you which zone you’re in. This playbook goes deeper — it explains what’s actually happening in your situation, what mistakes to avoid, and what strategies work specifically for where you are right now.
STEP 3: TAKE ACTION
The tools to stabilize your situation
This is where the work happens. The Stabilization Sequence gives you a week-by-week framework to stop the bleeding. The Call Scripts give you exact words to use with every type of creditor. The Escalation Triggers tell you when DIY stops making sense.
Work through these alongside your Playbook.
STEP 4: DECIDE WHAT’S NEXT
Read this after you’ve worked Steps 1–3
Once you’ve stabilized, you’ll need to choose a path forward. This guide lays out your three options clearly — DIY payoff, consolidation, or professional resolution and helps you decide which one fits your numbers.
Don’t skip to this one. It works best when you’ve already done the stabilization work.
A NOTE BEFORE YOU START
You don’t need to do all of this today. You need to do Step 1 today. That’s it. One hour, one worksheet, one clear picture. Everything else follows from that.
You didn’t get into debt in a day. You won’t get out in one either. But you can get clear in one — and that’s where this starts.
This plan is for educational purposes only and does not constitute financial or legal advice. © 2026 Lemma Strategy Group.