Builds a sequenced multi-debt payoff plan - avalanche or snowball chosen by explicit decision rules - with the rollover schedule, total-interest math, and a debt-free date. Use when someone asks "which debt do I pay first", "avalanche or snowball", "how do I get out of credit card debt", or "when wi
Builds a sequenced multi-debt payoff plan - avalanche or snowball chosen by explicit decision rules - with the rollover schedule, total-interest math, and a debt-free date. Use when someone asks "which debt do I pay first", "avalanche or snowball", "how do I get out of credit card debt", or "when will I be debt-free". Do NOT use for sizing the cash cushion that prevents new debt - use emergency-fu
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