Debt-Free Roadmap

Debt feels like a weight, but underneath it's a math problem with a clear answer: list what you owe, pick a payoff order, and route every spare dollar at the next target until the list is empty. This playbook turns that into a system your Personal Finance Ally runs with you. You'll build a complete debt inventory, choose between the snowball method (smallest balance first, for momentum) and the avalanche method (highest interest first, for math), and lock a month-by-month schedule showing exactly when each debt hits zero. Monthly check-ins track falling balances, every paid-off debt is a celebrated milestone, and the wobbles — missed months, surprise expenses — are handled without a single lecture.