Personal Finance · Program
You Don't Need More Willpower. You Need A Plan You'll Actually Follow.
OFF THE CARD: The Program takes the method behind the $24.99 toolkit and turns it into a guided 90-day system — eight video modules, a workbook, and weekly check-ins, covering the budget math and the parts that actually derail a payoff plan: the setbacks, the money fights, the week you want to quit.
OFF THE CARD: The Program
Illustrative shape of a payoff plan — your numbers depend on your own balances and budget, not a guarantee.
- Format — 8 video modules, guided over a 90-day plan
- Delivery — video + printable workbook + spreadsheet templates
- Support — weekly email check-ins for 90 days
- Access length — lifetime, including future updates
Honestly
Who This Is For
No pitch here — just who this actually helps, and who it doesn't.
A good fit if you…
- You've read the payoff advice before and it didn't stick — you need structure, not more information
- You're carrying debt across more than one card and don't know which to hit first
- "Just be more disciplined" hasn't worked, because discipline was never really the problem
- You want something checking in on you, not a worksheet sitting forgotten in a folder
Probably not if you…
- Already have a plan working and you're sticking to it — the $24.99 OFF THE CARD toolkit alone is probably enough
- Need legal or licensed advice for something more serious than credit-card debt, like bankruptcy or wage garnishment — talk to a professional, not a course
- Want someone else to do it for you rather than walk through it with you
The Method
You Don't Need Willpower. You Need A Plan.
Eight modules. One order to pay things off. Ninety days of someone checking in.
Curriculum
What You'll Work Through
Eight modules. Not just the math — the parts that actually derail a payoff plan.
- Where You Actually Stand22 min
- Choosing Your Order18 min
- Making Room In The Budget25 min
- When Life Doesn't Cooperate20 min
- The 90-Day Push24 min
- After You Slip16 min
- Talking About It Without It Turning Into A Fight14 min
- Staying Off The Card18 min
What You Get
Every Asset, Itemized
What $249 actually buys, broken down.
- 8 core video modulesThe full 90-day method, plus the setbacks, budget crunches, and money conversations that actually derail it (~157 min total)$199 value
- Workbook & payoff worksheetsPrintable and spreadsheet versions, same numbers either way$39 value
- OFF THE CARD toolkitThe existing $24.99 toolkit, included at no extra cost$24.99 value
- Weekly check-insOne email a week for 90 days — where you're at, what's next$89 value
Your Instructor
Vikram Dave
Founder, DaveWays
Vikram Dave is the founder of DaveWays, an independent digital products company creating practical planners, spreadsheets, templates, and guides for everyday life and business. Drawing on his experience as an entrepreneur, affiliate marketer, and exporter, he focuses on simplifying common challenges around money management, productivity, and independent work — identifying a real problem, researching it carefully, and turning the solution into a clear, useful resource, the same approach behind this program.
DaveWays is a product brand operated by MIRAI YUSHUTSU GLOBAL VENTURE LLP.
From Buyers
What People Are Saying
Questions
Is this financial advice?
No. OFF THE CARD: The Program is an educational course. It teaches a method and gives you tools to apply it to your own numbers. It is not personalized financial, legal, or tax advice, and DaveWays is not a licensed financial advisor. For advice specific to your situation, consult a qualified professional.
What is your refund policy?
Refund requests are accepted within 30 calendar days of purchase via support@daveways.com. No form, no reason required.
How is this different from the $24.99 OFF THE CARD toolkit?
The toolkit gives you the worksheets and a plan template. The Program adds the video walkthroughs, a 90-day structure, and weekly check-ins that keep you moving once the initial motivation wears off — which, if you're carrying debt, it usually does.
How long do I have access?
Lifetime access to every module, worksheet, and future update. Revisit any lesson whenever you need it, not just during your 90 days.
What if I fall behind the schedule?
The 90 days are a guide, not a deadline that punishes you for missing it. Pick back up where you left off — the point is progress, not a perfect streak.
Do I need any special software?
No. Everything works in a browser, plus Excel or Google Sheets for the worksheets. Nothing to install.
Can I pay in installments?
Not yet — the program is a single $249 one-time payment for now. An installment option may come later.
What if the program isn't right for me?
Email support@daveways.com within 30 days of purchase for a full refund. Same terms as every other DaveWays product — no explanation required.
30 Days To Decide If This Is Working
Go through the first module, start the plan, and see if it actually changes how you're handling this. If it doesn't, email support@daveways.com within 30 days for a full refund — no explanation needed.
The Balance Doesn't Move By Itself. The Plan Does.
One payment, lifetime access, and 90 days of structure that actually fits your life.
DaveWays provides educational tools and programs. Nothing here is tax, legal, or financial advice.
DaveWays is not a licensed financial advisor, and this program does not replace one. Consult a
qualified professional about your own situation before making financial decisions.
DaveWays is operated by MIRAI YUSHUTSU GLOBAL VENTURE LLP · support@daveways.com