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Starting Out · Debt & Windfalls
Debt Avalanche vs. Snowball
Which payoff strategy saves me more?
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Personas Using This Scenario
👩💼Persona
Debt-Burdened Debbie
Drowning in $68k of student debt, trying to build a life anyway.
👨🏫Persona
Late-Starter Larry
52, $38k in retirement savings, and finally paying attention.
⚖️Persona
Divorcing Dana
Splitting assets, rebuilding solo. The math is harder than the marriage was.
🔒Persona
High-Conflict Henry
Good income. Hidden account. A marriage held together by avoidance.
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