Thanks for the thoughtful response! And sure, feel free to continue the conversation over email if you like.

Currently, when you create a debt item or financed asset "X", there should be an "Extra X Payments" financial goal automatically generated, which you can click and drag higher up the list if you care more about allocating extra available yearly income towards that than certain other priorities. Is this feature working for you currently? And how close does it come to addressing / approximating your use cases above?