1d • Field Notes
AVALANCHE VS SNOWBALL: PICK ONE AND STOP READING ABOUT IT
Most men with debt fall into the trap of researching debt-payoff methods for two years instead of paying debt for two years.
Two methods. That's it. Pick one. Run it.
AVALANCHE — pay minimums on everything, throw all extra at the HIGHEST INTEREST RATE balance first. Math-optimal. Slower emotional payoff.
SNOWBALL — pay minimums on everything, throw all extra at the SMALLEST BALANCE first. Suboptimal mathematically. Faster emotional payoff because debts disappear off the list.
The mathematical answer is Avalanche. The behavioral answer is Snowball. Working men with limited margin and momentum problems usually need Snowball — the early wins keep them in the game.
This is not financial advice. The Brotherhood teaches systems, not prescriptions. Run one method for 90 days. Don't switch mid-stream.
The Emergency Budget Worksheet in the Classroom shows you what's actually leaking before you pick a method. Free.
For the structured month-by-month protocol — Iron Payoff plugin is in the Ironbound Membership at $25/mo.
Reply: avalanche or snowball — which one's running for you?
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AVALANCHE VS SNOWBALL: PICK ONE AND STOP READING ABOUT IT
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