I ve been working on MyDebtLens, a debt payoff planner and consumer debt clarity tool.

Hey everyone,

I ve been thinking about a product tension while building MyDebtLens.

When someone is using a debt payoff tool, they may not only want the best route mathematically.

They may also want to understand why the route looks better, what tradeoffs it creates, and whether it changes their monthly pressure in a way they can actually live with.

Hey everyone, hope you re having a good week.

I wanted to share another thought from building MyDebtLens, because it keeps coming up as I work through the product and how it should explain debt payoff decisions.

Hey everyone, hope you re having a good weekend.

I wanted to share one of the early product decisions behind MyDebtLens, because it shaped how the app works from the start.

We decided not to require a bank connection.

That means users enter their own debt numbers manually: balances, APRs, minimum payments, due dates, and any extra amount they want to test.