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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