Debt Jumped $769—Is Debt Consolidation My Next Move?

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In this Road to Wealth update, I’m keeping it 100 about a tough month: my total debt went up by $769.76 since my last check-in, bringing me to $49,416.12 across personal and business cards.

I break down exactly where the balances sit today and why interest ate my progress.

I also walk through a real option I’m considering: a debt management program with Money Management International (MMI) that would drop my monthly payments from $1,590 to $1,214 in month one and $1,144 after—about $446/monthback in my pocket.

I talk through the trade-offs, like closing my cards (goodbye points and Marriott status… for now), but also slashing interest so more money actually hits principal.

You’ll hear my due-diligence process, the difference between consolidation loans vs. programs, how payments would be routed, and why I set a follow-up for August 15 before deciding.

If you’re in the trenches with credit cards, this episode gives you the numbers, the pros/cons, and the mindset I’m using to dig out—skills over status, progress over pride, and facts over feelings.

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