Because everyone works a little differently
Some people attack debt like a numbers game. Others need momentum and motivation. The right strategy isn’t just about math—it’s about how your brain works. If you keep trying a method that doesn’t click, you’ll fail. Again. Let’s fix that.
The Two Big Payoff Strategies
- Debt Avalanche (Math Wins)
- Pay off the highest-interest debt first.
- Saves the most money in the long run.
- Best for logical thinkers who stick to plans.
- Debt Snowball (Motivation Wins)
- Pay off the smallest debt first, regardless of interest.
- Quick wins keep you engaged.
- Best for people who need visible progress to stay committed.
Why the Snowball Works for Some People
Your brain craves success. Knocking out a small debt fast gives you a win. That win builds confidence. Confidence builds momentum. And momentum keeps you going. If you’ve tried paying off debt before and quit halfway, this is why. You weren’t seeing results fast enough. The snowball fixes that.
Why the Avalanche Works for Others
Some people don’t need the quick wins—they just want the most efficient way out. If you’re disciplined and can ignore the urge for immediate results, this method saves you money. More money saved means faster freedom from debt.
Which One Should You Pick?
- If you get discouraged easily, start with the snowball.
- If you’re numbers-driven and patient, use the avalanche.
- If you’re a mix, combine them. Pay off a small debt first for motivation, then switch to the avalanche to maximize savings.
The Only Wrong Choice? Doing Nothing.
Stop overthinking. Pick one and start today. Sitting in analysis paralysis means you’re still stuck. Forward motion—no matter how small—is the only way out. Which method works for you? Choose it. Commit. Get free.