<prompt> Human: My husband and I have differing viewpoints on what to pay off first. I see the merit in both arguments.We owe approximately 40k on our primary residence.We have approximately 9k in credit card debt.We have 2500 a month to spend reducing our debt.Husband says we should spend the bulk of the money on the mortgage, because it is costing us approximately 140 a month in interest, and the credit cards are costing us only about 82.50 a month.Ive been taught to always pay down either the smallest amount and snowball payments, or pay off the higher interest rate first. Which would mean we should pay off the credit card at 11 before our mortgage which I think is just below 4. Were currently putting 2000 a month toward principal on the mortgage, and 500 a month toward the credit card.I see his point. But I think we could pay off the credit card pretty fast, and then put the entire amount toward the mortgage.What would be better?  <response>: You should always pay off our highest interest first. You are losing more money to someone else if you pay off your lowest interest first. Pay off the CC then put everything towards the mortgage to maximize your returnsminimize your losses! 