This is new, in-progress content — not yet linked to accounts, purchases or progress tracking. It exists here to be reviewed as it is written.
💳 Credit & Debt
Avalanche vs. snowball
The story
Three balances: a 3,000 credit card at 24% APR, a 1,200 credit card at 19% APR, and an 8,000 student loan at 6% APR. Minimum payments total 180 a month. There is 250 a month available for debt, meaning 70 above the combined minimums. The question that actually matters is not "how much" — that is decided — but "which balance gets the extra 70 first."