The avalanche (attack the highest APR first) is mathematically optimal; the snowball (kill the smallest balance first) is psychologically optimal, and research on real payoff behavior keeps finding that the method you'll actually sustain beats the method that looks best on a spreadsheet. The full guide runs both strategies on the same $22,000, four-card example, shows the dollar gap (smaller than you'd guess), and covers the third option that outperforms both when it's available: consolidating everything into one fixed payment so there's no sequencing decision left to make.

What the full guide covers

• How each method actually sequences payments
• Same debts, both methods: the real dollar difference
• Why quitting is the biggest cost of all
• When consolidation beats both
• Choosing based on your own track record

The full guide is publishing soon. The short version above is accurate and current, and the concierge already knows everything in it.