Why consolidate debt payments into a single pouch? Why not a debt payment pouch per debt?

Debt payoff strategies like avalanche and snowball work by focusing all available payment money on one debt at a time, then rolling that payment into the next. A single debt payment pouch keeps all that money in one pool, so the Liberate Machine can reprioritize automatically as debts are paid off. Splitting into separate pouches per debt would mean constantly rebalancing by hand — extra effort that works against sustainability.

Once your debts are paid off, you can keep using the debt payment pouch for credit card payments. Or, if you pay your statement in full each month, you can switch your credit cards to on-budget and treat them like cash accounts.