When it comes to the debt snowball vs avalanche question, the math isn't the whole story. By my estimation, I've sat down with more than 1,000 people to work on their finances, and that number keeps growing. Somewhere in that first conversation, someone almost always brings up paying off the largest interest first or AKA the avalanche. I understand why. On paper it looks like the smarter choice. You pay the highest interest rate first, you pay less interest overall, and who