debt-savings
Debt Snowball Method
Model a disciplined payoff mindset and compare opportunity cost with long-term market growth.
Frequently Asked Questions
Snowball or avalanche first?
Avalanche is typically interest-optimal, while snowball can improve adherence through early wins. The best method is the one you sustain.
Can I invest while paying debt?
That depends on debt rates, risk tolerance, and required cash buffer. High-interest debt often deserves priority before risk assets.
What does this preset represent?
It is a behavioral and opportunity-cost lens, not debt advice. Use it to stress-test trade-offs and build a realistic plan.
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