Case studies show where a household ends up after two years. They don't show the driving. In Chapter 4 of Money in Motion I followed one household, Dave and Emily, through a single month, and the rhythm they use is the one I'd recommend to almost everyone running Dynamic Banking.
It's month fourteen for them. The credit cards are paid off and the line of credit is down to $12,000. On day 1 the $7,800 paycheck lands in checking and goes straight onto the line of credit, every dollar of it. The balance drops from $12,000 to $4,200, and interest accrues on the smaller number from that moment.
On day 5 the $2,100 mortgage payment comes off the line of credit on its due date, not a day earlier. Paying early earns nothing, and every day that $2,100 stays parked offsets interest. On days 12 and 20 the insurance premiums and utilities, the bills that can't go on a card, leave the line of credit when they're due.
The rest of their spending never touches the line of credit. Groceries, gas, streaming, the kid's cleats, and date night all go on one rewards credit card. On day 28, the card's due date, one payment of $2,900 off the line of credit pays the card in full. Then the next paycheck lands and the cycle starts again, a little lower than the month before.
The number the bank charges them on is the average daily balance, which was $7,030 even though the balance ended the month at $10,800 either way. At 8.5%, the old checking-account way would have cost $84 in interest. Parking the paycheck cuts that to $58, and adding the card brings it to $49. The rewards on $2,900 of spending, at about 2% back, return $58. The card's rewards roughly pay the month's interest, so the net cost of their money is close to zero while $23,000 of open credit sits ready.
The card layer has rules. Pay the full statement balance every month, from the line of credit, on autopay. A balance carried past the due date turns the card into a 24% problem, and one carried month can eat a year of the savings. Use one card, ideally flat-rate cash back, so there's one due date to watch. Spend the way you would if you paid cash, because the card changes the route of your money and not the amount. If you know a card in your pocket spends itself, skip this layer and run the bills off the line of credit. Charge what can be charged, but if a biller adds a 2% or 3% surcharge for cards, pay that one from the line of credit instead.
The whole month takes Dave and Emily about ten minutes of attention. Every piece is on autopay, and the chapter lays out the full month with charts, in the paperback, Kindle edition, or free digital copy.