Menu

Individual skill

debt-payoff

0upvotes

Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars. Use when asked how do I pay off my debts, avalanche or snowball, make me a debt payoff plan, tackle my credit cards or loans, or when will I be debt-free. Produces the month-by-month comparison from the script, the payoff order with dates, the interest cost of choosing morale over math, and the plan-survival rules. Educational, not regulated financial advice.

skills/debt-payoff/SKILL.md

Read pinned source

Source commit e0009a385c480fb0b5687e7412df67c7c64f7cee

What was checked

Matches the observed repository HEAD
Yes
Scanner rules are current
No
Repository scan complete
No
Skill scan complete
No
Observed behavior
Not checked yet
Last checked
Nov 12, 2026

These are observations at the recorded commit, not a guarantee of safety. Review the source before running it.

Install this skill

Choose an agent in your Stack or copy a command below. Commands fetch the pinned commit and copy only this skill directory. Existing destinations are refused. Copying a command does not install anything.

An install command is unavailable: current rules, complete repository and skill scans, an eligible behavior level and a permitted license are required.

Repository context

Repository stars (not skill ratings)
1,542
Repository last updated
Nov 11, 2026
License
MIT

Observed agent integration: No specific integration evidence. Standard SKILL.md installation does not imply verified compatibility.

Files and excerpt

File metadata and permitted, redacted excerpts come from the recorded scan. Source links are pinned to that commit.

Browse files
Read excerpt

# Debt Payoff Skill

The avalanche-vs-snowball debate has a correct answer (avalanche, arithmetically) and a true objection (plans people abandon save nobody anything) — and the only honest way to weigh them is to price the difference on the *actual* debts. Sometimes morale costs $40; sometimes it costs $4,000. This skill runs both strategies month by month with the script, shows what choosing early wins actually costs, and builds the plan around the constraint that matters most: it has to survive contact with a real budget.

## What This Skill Produces

- **The head-to-head** — debt-free date and total interest for avalanche and snowball, simulated on the real debts
- **The payoff order** — which debt dies when, under the chosen strategy
- **The morale price tag** — what snowball's early wins cost in interest, in dollars, so the choice is informed
- **The survival rules** — minimum-viable version for bad months, and the windfall protocol

## Required Inputs

Ask for these if not provided:
Back to top