<p>You finally looked at your debt numbers. Now what?<br>Panic? Freeze? Google spiral? TikTok chaos? Advice from Cousin Laura? 😵‍💫</p><p>In this episode, I break down the <strong>three most common debt payoff paths</strong>—and who they <em>actually</em> work for—so you can stop guessing and start moving forward with confidence.</p><p>We’re covering:</p><ul><li><p>✅ <strong>Debt Snowball</strong> – why it works so well for ADHD brains, burnt-out parents, and anyone who needs momentum</p></li><li><p>✅ <strong>Debt Avalanche</strong> – when math <em>does</em> matter and logic keeps you motivated</p></li><li><p>❌ <strong>The “Wing It” Method</strong> – why paying minimums and hoping for a miracle keeps families stuck</p></li></ul><p>I’m also sharing:</p><ul><li><p>Why most people choose the <em>wrong</em> debt payoff method</p></li><li><p>The real reason debt plans fail (hint: it’s not laziness or lack of discipline)</p></li><li><p>What I wish I had done differently when my family was paying off <strong>$107,000 of debt</strong></p></li></ul><p>Here’s the truth: <strong>motivation fades—but systems don’t.</strong><br>The best plan isn’t the “perfect” one. It’s the one you’ll still follow when life gets messy.</p><p><strong>Option 1:</strong> Do it yourself<br>Pick a method, set reminders, and commit—progress may be slower, but it’s possible.</p><p><strong>Option 2:</strong> Get fast clarity<br>Join my <strong>FREE 15 Minutes to Money Clarity workshop</strong> and I’ll help you choose the right plan for <em>your</em> real life.<br>➡️ Register at <strong>jewlzthebudgetnerd.com/workshop</strong></p><p><strong>Option 3:</strong> Get ongoing support<br>Join a community of parents eliminating debt with coaching, accountability, and adjustments when life happens—because doing this alone is the hard way.</p><p>You don’t need a perfect plan.<br>You need the <strong>right plan—and support to stick with it.</strong><br>Clarity shows you the path. Support helps you walk it out.</p><p>🎧 Hit play and let’s stop winging it.</p><p>👉 What to do next: Get LIVE Support: https://www.jewlzthebudgetnerd.com/membership</p>