As a Software engineer, I can add some context here

Running the compound interest doubling calculation on my own start age vs target retirement was a useful exercise.

The debt psychological shift section is the one the spreadsheet models can't capture. Thank you for naming it.

The debt psychological freedom section is the part most financial planning ignores. Thank you for naming it.

I've shared this compound interest example with my younger siblings, my parents, and three coworkers. It's the one that lands.