The debt snowball method flips the usual financial advice on its head. Instead of optimizing for interest rates, you optimize for wins. Pay off the smallest balance first — regardless of the rate — and roll that payment into the next smallest. Each payoff frees up more cash, and the momentum builds like a snowball rolling downhill. Does it cost more in interest than the avalanche method? In most cases, yes. But here's the thing: the best debt payoff strategy is the one you actually finish. And research consistently shows that people who score early wins are significantly more likely to become completely debt-free. This isn't about being irrational with money. It's about understanding that debt payoff is a marathon, and the psychology of momentum matters at least as much as the math. What Is the Debt Snowball Method? The debt snowball method is a debt repayment strategy where you list all your debts from smallest balance to largest and focus extra payments on the smallest debt first.…