Debt Free for Life
by David Bach
Bach's debt plan: the DOLP method (dead on last payment) for ordering debts, mortgage prepayment, credit score repair and avoiding scams. It is gentler than Ramsey and keeps credit cards; the math-based ordering is sound.
Read it if…
you want a debt plan that uses math rather than motivation to order payoff.
See the book →
Skip it if…
you need the emotional wins of the snowball to stay on track.
Try instead: Millionaire Women Next Door →
Three things you will actually use
- Pay off by efficiency, not just emotion.
- Prepay the mortgage biweekly.
- Protect your credit score; it costs you otherwise.
Do this first
List every debt with balance and minimum payment and compute the DOLP ratio.
Our verdict
Math-based debt plan.
See the book →
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