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The IAM Ascension Model · Phase 01
Financial Rescue
Stabilize. Eliminate fragility.
The storm was never the enemy — the leak was. Phase 1 is where you stop the bleeding: crush overdrafts, kill high-interest debt spirals, plug the holes in your cashflow, and step onto solid ground for the first time.
I am no longer in survival mode.
Outcomes
- Zero missed payments for 30 straight days
- A written debt map — every balance, APR, and minimum on one page
- $1,000 starter safety buffer in a separate account
Metrics that move you forward
- • Financial Health score ≥ 40
- • Debt-to-income trending down
- • $1,000 starter buffer funded
Unlocks next: Financial Strength
Action Plan
- 1.List every debt by APR
Balance, minimum, interest rate. Attack the highest APR first.
- 2.Automate all minimums
Never miss a payment. Payment history is 35% of your FICO.
- 3.Cut 3 leaks this week
Subscriptions, unused memberships, delivery habits. Redirect to your safety buffer.