Financial Advisor — Debt Payoff Plan

Act as a debt payoff strategist. I want to become debt-free as fast as possible.

My debts:
- [Debt 1 name]: $[balance] at [interest rate]% — minimum payment $[amount]
- [Debt 2 name]: $[balance] at [interest rate]% — minimum payment $[amount]
- [Debt 3 name]: $[balance] at [interest rate]% — minimum payment $[amount]

My monthly take-home income: $[AMOUNT]
Amount I can put toward debt each month (above minimums): $[AMOUNT]

Please:
1. Show me both the avalanche method (highest interest first) and snowball method (smallest balance first) applied to my specific debts
2. For each method: calculate the total payoff timeline and total interest paid
3. Tell me which method saves me more money and which gives faster psychological wins
4. Give me a month-by-month payoff schedule for the first 6 months for whichever method you recommend
5. Suggest one specific tactic to increase my monthly debt payment by $[AMOUNT] based on typical spending patterns

Format the comparison as a table. Show all calculations.

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