Your paycheck hits on Friday. The mortgage isn't due until the first, the card autopays on the fifteenth, and in between, that money sits in checking earning roughly nothing. It's doing one job. Holding its spot in line.
Now run the same month in a different order. The paycheck lands against your HELOC instead. Every dollar pushes the balance down the day it arrives, and interest on a line of credit is generally calculated daily. Your bills still get paid out of the line as they come due, the way they always did. The dollars did the same jobs they were already doing. They just picked up a second one on the way through: offsetting interest while they waited to be spent.
Realistic numbers, so nobody gets oversold. Say the line carries $20,000 at 8%. That's about $4.38 a day in interest. Park a $4,000 paycheck against it and the daily charge drops to roughly $3.51. Keep that money parked for two weeks before it flows out to bills and you've saved somewhere around twelve dollars. Twelve dollars doesn't sound like a strategy. But it happens every single month, it grows as the balance falls, and it's money you saved by changing the order of things you were doing anyway. You don't want to spend hours to save pennies. The pennies, though, will compound into dollars.
This only works with rules that keep it honest. Spending stays at or below what you were already spending. The line routes spending you were already doing. That's all it's for. If a bigger available balance feels like permission to spend more, stop and fix that first, because no routing trick survives a spending problem.
The full method, including chunking and what a whole month looks like, is on the How It Works page. The video above walks the entire strategy in one sitting. And when the leak is fixed and cash starts piling up, the next question is where that pool should live. That answer is over at Lifetime LOC.