Thanks for the feedback, when I originally wrote this I actually detailed the stack method (same as avalanche). From my perspective it doesn't matter if you pay

Thanks for the feedback, when I originally wrote this I actually detailed the stack method (same as avalanche). From my perspective it doesn't matter if you pay off a $100 credit card, but have $14,900 left in debt. You haven't really improved your situation. But after reading the results of the Harvard study I had to change the whole step. It turns out the psychological impact of seeing the size of the reduction on your smallest debt balance had staying power and kept people paying down debt. So I agree it's the most logical to pay the stack/avalanche method, but unfortunately we're all just a bunch of moist robots who don't always follow logic. Really appreciate the concern though, I was on your side before I ran into the study!