Summary: This week Jay explains a new service called Payoof.com to Gene who doesn't get it. From there we talk about budgeting and paying down debt. WE highlight Starbucks profit margin on their high-end coffee. Finally, we discuss proposed criminal penalties for overcharging military personnel on payday loans. Payoff.com and Encore Capital Group Partner on Consumer Repayment Solution Pay Your Bills on a Weekly Cycle, Not a Monthly One Households back to slashing debt, Fed says What Starbucks’ $7 coffee is really worth Senate Passes Military Lending Amendment to Defense Bill - really?. I mean, really.