❄️ Snowball Your Debt Away
The “wrong” math that actually gets more people out of debt.
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💰 The Move
The Math Says One Thing. The Data Says Another.
On paper, the smartest way to pay off multiple debts is obvious: attack the highest interest rate first, called the “avalanche” method. It saves the most money. Mathematically, it's not close.
❄️ A widely cited study on real debt payoff behavior found that people who tackled their smallest balance first (the “snowball” method) were significantly more likely to pay off all their debt entirely than those who chased the mathematically optimal highest-interest balance first (the “avalanche” method).
The reason wasn't math. It was momentum. A paid-off balance, even a small one, is proof it's working — and that proof is worth more than the extra few dollars of interest it costs.
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❄️ Start the Snowball
- List every debt smallest to largest. Ignore the interest rate for now — balance size is the only sort that matters here.
- Pay minimums on everything except the smallest. Throw every spare dollar at that one alone.
- When it's gone, roll its payment into the next. The amount you're throwing at debt never shrinks — it just moves.
- Let each payoff be the fuel. The goal isn't the optimal spreadsheet. It's still being at it six months from now.
👉 Try This Today
The best debt plan isn't the one that's mathematically perfect. It's the one you actually finish. ❄️