We’ve all heard it: “If you’d just skip your daily latte, you’d be debt free by now.” The problem with that advice? It’s both untrue and unhelpful. Small purchases don’t sink you—systemic habits and unchecked interest do.

Debt grows because of compounding, not cappuccinos. What matters more than skipping coffee is finding ways to send consistent extra payments toward your debt. Even $25 at a time makes a meaningful dent, not because of what you’re “cutting out,” but because you’re cutting down interest charges.

That’s why we built Ditch with two goals:

1. Automate those extra payoffs, so you don’t have to overthink it.
2. Keep you accountable with Dani—your AI coach who helps you spend smarter without guilt.
   

Enjoy the coffee. Make your payments. And focus your energy where it counts: building a system that keeps you ahead, not ashamed.