Nicole Lapin

So it doesn't really matter which one you choose as long as you choose one and stick to it.

You're like, I don't want to be in snow at all.

Yes.

So avalanche method is ranking your highest interest rate credit card debt first and paying that off.

Okay.

So if you have, you know, a bill that comes in for $100 and that's at 5%, let's say, and you have a bill that's for $50 and it's at 24%, you're like, I have a magical $100 bill.

I'll just pay the $100 one off.

Yeah.

Because I'll rip it up, it'll be cathartic.

But that's not the most advantageous way.

I would put half of that toward paying off the higher interest rate credit card debt likely first because that's going to snowball fastest.

even though the snowball method is paying for the smallest bill first so you can have momentum to keep going.

Yeah.

And again, I give these choices because not every financial choice is a true numbers choice.

It's often an emotional choice.

So whatever you're going to stick to, you're going to spend more.

over time.

Right.

But as long as you stick to that and it works for you, then I like that method for you.

But the one that's cheaper is the avalanche.