🎉 Recent Wins — 4 Debts Eliminated!
Chris Citi ($4,445), Tiffany Discover ($6,870), Affirm ($577), and Inevitrade ($3,808) — $15,700 gone, $793/mo freed.
Current Landscape
Highest rates: Honda 5.59%, Nissan 4.9%, Student loans AE/AF 4.41%. CCs are 0–1%. Mortgage at 3% is excellent — don't rush that one.
⛔ SW Card
$1,255 at 0%, but ANY new purchase = 27%. Don't use it.
Student Loan Snapshot
6 loans totaling — at —/mo. Rates 3.15–4.41%. Loan AA ($331) is nearly done.
Note
Interest goes back to your own account. Auto-pays off May 2027.
3% = Gold
This rate is excellent. Any extra dollar does more attacking 4–6% debts first.
What You're Looking At
Projected balance over time at current minimum payments. Any extra payment accelerates payoff.
Quick wins build momentum — student loan AA ($331) first
Each eliminated debt frees payments that snowball into the next one.
⛄ How It Works
All extra cash → #1. When gone, roll its payment into #2. By the time you hit the big debts, hundreds of extra dollars per month compound forward. 401k loan auto-pays off May 2027. Mortgage at 3% is last priority.
Mathematically optimal — Honda Van at 5.59% leads the way
Minimizes total interest paid across all debts.
🏔️ Math
Honda costs ~$97/mo in interest. Nissan ~$76/mo. Student loans AE/AF ~$35/mo combined. 0% CCs cost nothing. Every dollar toward Honda first saves the most.
$15K Deposit Play
Drop it on Honda → balance to ~$6K → gone within months. Frees $670/month permanently.
Quick wins first → Nuke Honda with deposit → Avalanche student loans
Grab Loan AA ($331) + SW Card ($1,255) for fast wins. Deploy $15K to Honda. Then avalanche through student loans by rate. CCs at 0–1% go last.
Now — Quick Wins
Pay off Loan AA ($331) and SW Card ($1,255). Two accounts gone for $1,586, frees $88/mo. Eliminates the 27% new-purchase risk on SW Card entirely.
$15K Deposit → Honda
Apply $12K–$13K to Honda. Balance drops to ~$8K. Hold $2K–$3K buffer. Honda payable in ~12 months at $670/mo.
Honda Payoff → Unleash Cash Flow
$670/mo freed. Total freed vs. start: $1,551/mo. Redirect to student loans AE/AF (4.41%), then AC/AD (3.61%), then AB (3.15%).
Mop Up
Nissan Van, then Tiffany Citi and Amazon (0–1%). 401k auto-pays May 2027. Mortgage at 3% is the last priority.
🧠 Why This Fits
Career transition = respect cash flow. Quick wins for motivation, then math for savings. 0–1% CCs are free to carry. 401k loan pays itself. Mortgage at 3% is your friend.
| Metric | ⛄ Snowball | 🏔️ Avalanche | ⭐ Hybrid |
|---|---|---|---|
| First target | Loan AA $331 | Honda $20,953 | AA + SW → Honda |
| Total interest | Most | Least | Near-optimal |
| Quick wins | Best | Slowest | 2 fast, then math |
| Cash flow | Gradual | $670 first | $88 fast + $670 w/deposit |
| Transition safe | ⚠️ Moderate | ⚠️ Moderate | ✅ Buffer |
| Student loans | AA first (small) | AE/AF first (rate) | AA first, then by rate |
⭐ Bottom Line
All three work. Hybrid is recommended: grab easy wins, then switch to math. 401k auto-pays May 2027. Mortgage at 3% is lowest priority.
| Item | Cost | Priority | Strategy |
|---|---|---|---|
| 🚗 Nissan Vents | $1,200 | High | Order parts — road trips coming |
| 🛞 Tires (3 vehicles) | $2,500–$3,750 | Med-High | Check used, stagger |
| 🔧 Honda Repair | $3,300 | Med-High | Get quotes, possibly finance |
| 🛋️ Couches | $10,000 | High (Tiffany) | Savings plan |
| 💻 Desktop | $4,000 | Revisit April | Finance at 0% |
| 🐄 Cow + Freezer | $4,250 | Revisit May | Grocery savings long-term |
| 💪 Workout Equip | $1,250 | Low | Bike + weights + springboard |
💡 Sinking Fund Strategy
With $793/mo freed, save toward each goal monthly instead of going into debt for wants.
| Fund | Monthly | Notes |
|---|---|---|
| 🛋️ Couch Fund | $300/mo | ~$10K in ~33mo or combine w/ deposit |
| 🚗 Vehicle Repairs | $200/mo | Ongoing maintenance buffer |
| 🛡️ Emergency Buffer | $150/mo | Build toward 3-month cushion |
| 💼 Extra → Honda | $143/mo | Accelerates biggest debt |
- Pay off Student Loan AA ($331) — instant winNearly done. Finish it.
- Order Nissan vent parts ($1,200)Road trips coming
- Get tire quotes — check used optionsStagger if needed
- Call Honda lender — rate reduction?DTI improved. Leverage it.
- Verify all balances and update dashboardSearch MONTHLY_DATA in code
- Deploy split: $12K Honda / $3K bufferAdjust based on mortgage pipeline
- Honda repair if not done ($3,300)Get 2–3 quotes
- April: Revisit desktop — finance 0%?
- May: Cow + freezer?
- May 2027: 401k loan done — $647/mo freed automatically
- Oct: Tiffany Citi 1% expires Dec 2026Plan: pay down, BT, or ride it
🔧 Monthly Update
- Open file in text editor
- Search
MONTHLY_DATA - Update balances
- Paid off? Set to 0, add to
paidOff - Save — auto-recalculates
💡 Or Just Ask Claude
Paste your balances and ask Claude to regenerate. 2 minutes.