The Asked

Chapter 03 — Money & Finance

Debt snowball or avalanche?

Avalanche (highest interest first) saves the most money. Snowball (smallest balance first) gives quicker wins and better psychological momentum. Whichever you'll actually stick with wins.

Follow-up questions

Should I invest while paying debt?

Always get the full 401k match. Beyond that, wipe out anything above ~7% interest before investing.

Consolidate or negotiate?

Consolidation loans help if you get a lower rate. Negotiating a lower APR by phone works surprisingly often — just ask.

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