💥 Debt Destroyer

• Debt Snowball — Pay minimums on all debts, then put extra money toward the SMALLEST balance first. Quick wins build motivation!

• Debt Avalanche — Pay minimums on all debts, then put extra money toward the HIGHEST INTEREST rate first. Saves the most money mathematically.

• Which is better? Avalanche saves more money, but Snowball provides psychological wins. The best method is whichever you'll stick with!

• The key: Stop adding new debt while paying off existing debt. Cut up credit cards if needed.