The Lab
A free passion project I built after watching young family members juggle payday loans and scattered balances. One calm place for cards, loans, and pay-later plans.
App Snapshot
7 Strategies
PAYOFF MODELS
Snowball, Avalanche, custom order, and four more plans on the same budget.
Pay Later
BNPL TRACKING
Klarna, Affirm, Afterpay, and other pay-later plans live in the same ledger.
Next Up
PAYMENT COACHING
Must pay, Extra, and Focus suggestions surface on Home every time you open the app.
Why I Built It
I built My Debt Coach for young family members juggling payday loans and scattered balances. I had lived that same spreadsheet sprint in my twenties.
One calm ledger for cards, loans, and pay-later plans: compare payoff models, see what is due next, and stay oriented with manual entry.
Built With
Consumer app, CMS, and growth APIs on one monorepo. Full engineering notes live in the companion Lab doc.
App and portal on one codebase.
Auth, Postgres, and per-user data with RLS.
Marketing site, Knowledge Base, and blog CMS.
SEO, analytics, Meta and Bluesky APIs, plus the admin intelligence hub.
How It Works
Cards, loans, BNPL, and promo APR all live under My Debt so nothing sits in a separate app or email thread.
Set a monthly budget, pick among seven strategies, and run any two side by side on the Compare tab.
Use the Payments calendar, mark paid or skip, get reminders, and see Next up coaching on Home.
Marketing & Discovery
The public site is CMS-driven. Day-to-day social and content marketing runs through agent-ready APIs on the admin portal.
Block-based homepage with hero, features, showcases, and FAQ, editable without redeploys.
How-to guides, debt education, and blog posts at /knowledge-base and /blog for organic discovery.
Canonicals, Open Graph and Twitter cards, JSON-LD, dynamic sitemap, and llms.txt for AI crawlers.
GTM and GA4 with cookie consent, conversion events for demo, signup, and login, plus in-portal blog promos.
Internal ops brain for product analytics, Meta and Bluesky marketing automation, and agent-run content publishing. Data connector hubs (BigQuery and more) are next.
Visitors can try the full product without creating an account, so discovery turns into a hands-on session in minutes.
My Debt Coach is live for anyone who wants a clearer payoff plan. More Lab experiments are on the way.