 And the debt snowball method is you pay off the smallest debt to largest debt so you have some immediate success because you knock out the little one really fast, you get a little more excited, you knock out the next one a little faster, a little faster, a little faster, a little faster, and every time you knock off another one, your hope increases. Here's what we have actually discovered, Lindsay. The math is incomplete when you only consider what we've talked about so far.