Debit4k is a German modification to the popular Fibonacci calculator, which uses a unique set of rules to give you a precise answer as to whether you are in a financial situation where you can spend money, or not. There are two types of users of the calculator, the first group being those who are interested in the Fibonacci formula, and the second being those who are interested only in the simple Fibonacci value of your debt, or "stretch." It is my contention that the Fibonacci calculator uses a very different and misleading method than does the Debt4K, which is what I am going to explain in this video..