Here's what I owe:
[balances and rates].
Compare highest-rate
first vs smallest-
balance first — where
maths and motivation differ.

Choose a Debt Payoff Strategy

The arithmetic and the psychology, weighed against each other.

Prompt

Here's what I owe: [list each debt with balance and rate]. Compare paying highest-interest first against smallest-balance first for my specific numbers, and be honest about where the maths and the motivation disagree.