Shane

65.

65.

65.

Thanks, Rachel, for taking my call. How are you today?

Thanks, Rachel, for taking my call. How are you today?

Thanks, Rachel, for taking my call. How are you today?

Thank you. Well, I'm a relatively new listener. We're on baby step number two. And my question is, we have probably about... $17,500 in credit card debt and a couple of other small loans. And we have some money set aside. And I was wondering, is there any way that you can deviate from that snowball plan?

Thank you. Well, I'm a relatively new listener. We're on baby step number two. And my question is, we have probably about... $17,500 in credit card debt and a couple of other small loans. And we have some money set aside. And I was wondering, is there any way that you can deviate from that snowball plan?

Thank you. Well, I'm a relatively new listener. We're on baby step number two. And my question is, we have probably about... $17,500 in credit card debt and a couple of other small loans. And we have some money set aside. And I was wondering, is there any way that you can deviate from that snowball plan?

Okay. Basically, the biggest one we have is we have a credit card with a high interest rate that has a balance of about $10,000. Okay. What's the interest rate on that? It's like 18.5%, I think. Okay. And then we have another credit card with a balance of $7,500, and that interest rate is 9.9%. Mm-hmm.

Okay. Basically, the biggest one we have is we have a credit card with a high interest rate that has a balance of about $10,000. Okay. What's the interest rate on that? It's like 18.5%, I think. Okay. And then we have another credit card with a balance of $7,500, and that interest rate is 9.9%. Mm-hmm.

Okay. Basically, the biggest one we have is we have a credit card with a high interest rate that has a balance of about $10,000. Okay. What's the interest rate on that? It's like 18.5%, I think. Okay. And then we have another credit card with a balance of $7,500, and that interest rate is 9.9%. Mm-hmm.

And then we have a, um, kind of like a small, um, home improvement loan with a balance of like $350 that you have to pay off. And then, um, I have a work loan, um, that I got through my work with, with 0% interest and I have a balance of like $800 on that.

And then we have a, um, kind of like a small, um, home improvement loan with a balance of like $350 that you have to pay off. And then, um, I have a work loan, um, that I got through my work with, with 0% interest and I have a balance of like $800 on that.

And then we have a, um, kind of like a small, um, home improvement loan with a balance of like $350 that you have to pay off. And then, um, I have a work loan, um, that I got through my work with, with 0% interest and I have a balance of like $800 on that.

Well, we just got our taxes back, and so we have about $14,500. Amazing. Oh, my gosh.

Well, we just got our taxes back, and so we have about $14,500. Amazing. Oh, my gosh.

Well, we just got our taxes back, and so we have about $14,500. Amazing. Oh, my gosh.

Right. So I guess my question is, you know, would it make sense to pay off the highest one, the $10,000 first? And then pay the two small loans and then whatever's left pay on that last credit card.

Right. So I guess my question is, you know, would it make sense to pay off the highest one, the $10,000 first? And then pay the two small loans and then whatever's left pay on that last credit card.