<prompt> Human: What repayment strategy is most likely to motivate them to get them out of debt? Should they disperse payments equally across all accounts each month or concentrate payment on one account? Our research suggests that people are more motivated to get out of debt not only by concentrating on one account but also by beginning with the smallest.  <response>: Ive always said that while avalanche is mathematically more efficient for paying the least amount of interest total, I highly agree that snowball is best in a large amount of cases: its impossible to predict income expenditures at 100, and paying off the smallest debt first kills off a monthly minimum payment and frees up your cash flow quicker than doing the largest one first. On top of the psychological boost, this helps your finances if you have unexpected spending and need to cut down on the amount you are paying towards debt for a month or two. 