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Let’s start with the real problem. Debt isn’t just financial—it’s behavioral. Here’s how the cycle works: You earn money → You spend it → You fall short → You borrow → You repeat. Sounds simple, right? But the trap is deeper than that. 1. Minimum Payments Are the Illusion Credit cards make it feel safe. “Just pay the minimum.” But here’s what they don’t tell you: Minimum payments are designed to keep you in debt longer. You’re not escaping—you’re maintaining the cycle.