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In other words, it wasn't doubling what you 'owed' for your mortgage, it was doubling what you were budgeting towards the mortage category. The program requires a specific mindset and intention, and works best when planning for the current month (or week) at a time. It's purpose is to focus the money you do have, rather than planning for money you will have down the road if that makes sense. I found it helpful since i was a pretty careless spender (too much coffee and pinball)