Nobody gets rich from an app. People get rich by keeping a wide gap between what they earn and what they spend, clearing expensive debt, and letting invested money compound for years. This ledger shows exactly how far away that is for you, and which lever moves it most.
Avalanche method: pay minimums on everything, then throw every spare dollar at the highest APR above your expected return. Debts cheaper than that return just get their minimums.
Educational projection, not financial advice. Returns are not guaranteed and real markets fall as well as rise. The model works monthly in inflation-adjusted dollars: surplus fills your emergency fund first, then pays expensive debt, then goes into investments.