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  <title>Downslope Blog</title>
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  <description>Writing about personal finance, debt payoff, and building Downslope. No hype. No guru language. Just honest thinking.</description>
  <language>en-us</language>
  <item>
    <title>Net Worth Should Help You Decide What Happens Next</title>
    <link>https://downslopefinance.com/blog/net-worth-should-help-you-decide-what-happens-next.html</link>
    <guid>https://downslopefinance.com/blog/net-worth-should-help-you-decide-what-happens-next.html</guid>
    <pubDate>Mon, 20 Jul 2026 00:00:00 GMT</pubDate>
    <description>A financial snapshot becomes useful when it leads to a better decision.</description>
  </item>
  <item>
    <title>Why I Built Downslope Without Bank Connections</title>
    <link>https://downslopefinance.com/blog/why-i-built-downslope-without-bank-connections.html</link>
    <guid>https://downslopefinance.com/blog/why-i-built-downslope-without-bank-connections.html</guid>
    <pubDate>Wed, 15 Jul 2026 00:00:00 GMT</pubDate>
    <description>A deliberate choice to protect privacy, preserve control, and build trust.</description>
  </item>
  <item>
    <title>The Hidden Cost of Financial Stress</title>
    <link>https://downslopefinance.com/blog/the-hidden-cost-of-financial-stress.html</link>
    <guid>https://downslopefinance.com/blog/the-hidden-cost-of-financial-stress.html</guid>
    <pubDate>Tue, 07 Jul 2026 00:00:00 GMT</pubDate>
    <description>I have known people at very different income levels who carried the exact same weight of financial stress.</description>
  </item>
  <item>
    <title>Why Traditional Budgeting Fails Most People</title>
    <link>https://downslopefinance.com/blog/why-traditional-budgeting-fails.html</link>
    <guid>https://downslopefinance.com/blog/why-traditional-budgeting-fails.html</guid>
    <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
    <description>I have lost track of how many times I have started a budget. For years I assumed the problem was discipline.</description>
  </item>
  <item>
    <title>The file sitting in your Downloads folder</title>
    <link>https://downslopefinance.com/blog/we-built-a-mint-importer.html</link>
    <guid>https://downslopefinance.com/blog/we-built-a-mint-importer.html</guid>
    <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
    <description>A lot of people downloaded their Mint export in early 2024 and set it aside. That file is more useful than it looks.</description>
  </item>
  <item>
    <title>The best Mint alternatives in 2026</title>
    <link>https://downslopefinance.com/blog/mint-alternatives-2026.html</link>
    <guid>https://downslopefinance.com/blog/mint-alternatives-2026.html</guid>
    <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
    <description>There is no shortage of apps claiming to replace Mint. Most of them solve a different problem than the one Mint was actually solving for you.</description>
  </item>
  <item>
    <title>Mint is gone. Here is what people are actually doing now.</title>
    <link>https://downslopefinance.com/blog/mint-is-gone-what-now.html</link>
    <guid>https://downslopefinance.com/blog/mint-is-gone-what-now.html</guid>
    <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
    <description>Mint shut down in January 2024. Most of the replacements people landed on were not actually replacements.</description>
  </item>
  <item>
    <title>What I Learned Building Downslope Debt Payoff</title>
    <link>https://downslopefinance.com/blog/what-i-learned-building-downslope.html</link>
    <guid>https://downslopefinance.com/blog/what-i-learned-building-downslope.html</guid>
    <pubDate>Sat, 04 Jul 2026 00:00:00 GMT</pubDate>
    <description>Three weeks ago, I was looking for a debt payoff calculator. That was the entire plan.</description>
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