Before Lorica accelerates your debt payoff, it looks for one thing: whether you're already setting money aside for yourself. That's on purpose.
The idea comes from a simple, old framework — pay yourself first. A common version splits your income three ways:
10% to savings — your buffer for the unexpected.
20% to debt — steady, focused payoff.
70% to living — everything else.
Most debt apps push you to throw as much as possible at debt, as fast as possible. Lorica doesn't — because we've seen what happens when someone empties every dollar into debt and then the car breaks down on a Tuesday. Without a cushion, one surprise expense can put you right back into new debt, undoing the progress you just made.
So here's how the guardrail works:
If Lorica sees you're already saving, it notes that and moves ahead.
If it doesn't, it shows a gentle heads-up before turning on your debt contributions. It never blocks you — you can acknowledge it and continue.
If your debt and savings together would take up more than about 30% of your income, Lorica flags it so you can decide with your eyes open.
None of this is a judgment. The guardrails exist because Lorica would rather you pay debt down without leaving yourself exposed. You're always the one who decides.