The final episode of the Lighter debt series. Maya and Dr Linda cover everything that happens after the balance transfer — how to calculate your exact target monthly payment, why automation beats willpower every time, what to actually do with the old cards, and what to do when a hard month hits in the middle of the window.

Missed Episodes 04 and 05? Start there — this series works best in order. Links in show notes.

Full show notes at lighterwithmaya.substack.com • Instagram @lighterwithmaya

Episode 04 turned the light on. Episode 05 hands you the tool. Maya and Dr Linda walk through the balance transfer move - the single most powerful strategy for getting out of credit card debt - step by step.

You will learn exactly how a balance transfer works, who it is right for, what to look for in a card, the biggest mistake people make after transferring, and how to use the interest-free window to clear the debt before the clock runs out.

Show notes include links to the strongest balance transfer cards currently available. Research is your baby step this episode - no applying yet. Just look.

Full show notes at lighterwithmaya.substack.com • Instagram @lighterwithmaya