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Eighteen months ago I had $23,400 in debt across four accounts. Today I have zero. This is the exact system I used — including the Google Sheets template that made it possible to stay on track every single month without losing my mind.I'm not going to tell you it was easy. It wasn't. But it was simple. And simple is what actually works when you're doing this for 18 months...

You Have Six Debts and Six Different Apps to Check ThemStudent loan servicer. Credit card app. Car loan portal. Personal loan dashboard. Medical bill payment site. The other credit card app — the one with the slightly different login you always forget.Every month you're logging into six different places, trying to hold the total in your head long enough to make a decision. You never quite can. So you make...

She Had 6 Debts and No Idea Where to StartPriya had $34,000 in debt spread across six accounts: two credit cards, a car loan, a personal loan, a medical bill, and a lingering student loan. Every month she made minimum payments on all six and threw an extra $200 at whichever one stressed her out most that week.Two years in, she'd paid off exactly zero accounts. The balances had barely...

The Internet Has Been Arguing About This for 20 Years. Here's What the Data Actually Says.Team Avalanche: "The snowball is mathematically inferior. You're leaving money on the table." Team Snowball: "The avalanche sounds great until month 14 when you haven't paid off a single account and you quit." Both sides are partially right. And both sides are missing the point.This isn't a debate with a universal winner. It's a decision...