The Situation

Two Methods,
One Real Question

The snowball method pays the smallest balance first. The avalanche method pays the highest interest rate first. The avalanche saves more money. The snowball builds more momentum. Neither is universally correct — the right choice depends on your specific debt profile and your track record with financial commitments.

"The best debt payoff strategy is the one you will actually execute for 24 months without abandoning."

Worthune Editorial

• You have multiple debts and are uncertain which to pay first
• You have started a debt payoff plan before but lost momentum
• You are unsure whether motivation or math should drive your strategy