Debt avalanche vs snowball: which math to follow when motivation fades

A 5-beat faceless video outline for “Debt avalanche vs snowball: which math to follow when motivation fades” in the Personal finance basics niche, derived from caption timing of 2 reference videos.

Angles

• Define avalanche (highest interest first) vs snowball (smallest balance first) in one sentence each
• Show the same debt stack on screen with both payoff orders
• Name the motivation tradeoff: math vs early wins when energy fades
• Close on a choose-your-rule card — not personal advice

Beat-by-beat structure

1. Hook (0:00–0:30): two popular payoff orders — promise the difference, not a guru.
2. Definitions (0:30–2:00): interest-first vs balance-first with a tiny numeric example.
3. Motivation beat (2:00–4:30): why snowball feels faster; why avalanche saves interest.
4. Pick card (4:30–6:00): if you quit mid-plan, which rule you will actually keep.
5. Recap. Not personal financial advice; original narration only.

Reference videos

• HOW TO PAY OFF CREDIT CARD DEBT | Snowball VS Avalanche Method _e_M0hfAX3o
• Debt Snowball vs. Debt Avalanche | Debt Paydown Strategy uz6wEvqF8nE

Method

yt-dlp VTT captions (manual/uploader only) → timed beat heuristics → editorial topic synthesis (no ASR). Structure only; write original narration.