re: Need advice on paying off debt

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This is the biggest problem with his entire program. You should always always always pay off the debt with the highest INTEREST RATE first.

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Yeah Ramsey's debt snowball is really aimed at people with spending problems, so paying off the lowest balances, no matter the interest, gives these people a sense of accomplishment and quick reward. There is a place for this approach but it really depends on the individual

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As Meeple said, Ramsey's program seems more aimed at those with issues. Just as with someone with a drinking problem or eating disorder, that sense of accomplishment may be necessary to keep them on track.