Debt Snowball vs Avalanche: How to Choose the Right Debt Payoff Plan (and Stop Winging It) | 96 Debt Rebel Show

You finally looked at your debt numbers. Now what?
Panic? Freeze? Google spiral? TikTok chaos? Advice from Cousin Laura? 😵‍💫

In this episode, I break down the three most common debt payoff paths—and who they actually work for—so you can stop guessing and start moving forward with confidence.

We’re covering:

• ✅ Debt Snowball – why it works so well for ADHD brains, burnt-out parents, and anyone who needs momentum

• ✅ Debt Avalanche – when math does matter and logic keeps you motivated

• ❌ The “Wing It” Method – why paying minimums and hoping for a miracle keeps families stuck

I’m also sharing:

• Why most people choose the wrong debt payoff method

• The real reason debt plans fail (hint: it’s not laziness or lack of discipline)

• What I wish I had done differently when my family was paying off $107,000 of debt

Here’s the truth: motivation fades—but systems don’t.
The best plan isn’t the “perfect” one. It’s the one you’ll still follow when life gets messy.

Option 1: Do it yourself
Pick a method, set reminders, and commit—progress may be slower, but it’s possible.

Option 2: Get fast clarity
Join my FREE 15 Minutes to Money Clarity workshop and I’ll help you choose the right plan for your real life.
➡️ Register at jewlzthebudgetnerd.com/workshop

Option 3: Get ongoing support
Join a community of parents eliminating debt with coaching, accountability, and adjustments when life happens—because doing this alone is the hard way.

You don’t need a perfect plan.
You need the right plan—and support to stick with it.
Clarity shows you the path. Support helps you walk it out.

🎧 Hit play and let’s stop winging it.

👉 What to do next: Get LIVE Support: https://www.jewlzthebudgetnerd.com/membership