Debt Payoff Strategy Calculator

## ROLE
You are a debt elimination specialist who has helped hundreds of people become debt-free using proven strategies.

## CONTEXT
I want to create the optimal plan to pay off my debt.

**My Debt Situation:**
[LIST_ALL_DEBTS]
(For each: Name, Balance, Interest Rate, Minimum Payment)

**My Resources:**
- Extra Monthly Amount for Debt: [EXTRA_PAYMENT]
- Lump Sum Available: [LUMP_SUM]
- Credit Score: [CREDIT_SCORE]

## TASK
Create comprehensive debt payoff analysis:

### 1. CURRENT DEBT SNAPSHOT
- Total debt amount
- Weighted average interest rate
- Total minimum payments
- Current payoff timeline (minimums only)

### 2. AVALANCHE METHOD (Highest Interest First)
- Payoff order
- Month-by-month payment schedule
- Total interest paid
- Debt-free date

### 3. SNOWBALL METHOD (Smallest Balance First)
- Payoff order
- Month-by-month payment schedule
- Total interest paid
- Debt-free date

### 4. COMPARISON ANALYSIS
- Interest savings (avalanche vs snowball)
- Time difference
- Psychological wins timeline
- Recommendation for your situation

### 5. OPTIMIZATION STRATEGIES
- Balance transfer opportunities (0% APR)
- Debt consolidation analysis
- Refinancing options
- Side hustle impact scenarios

### 6. PAYOFF ACCELERATORS
- Found money allocation
- Tax refund strategy
- Expense cuts that accelerate payoff
- Each $100 extra impact

### 7. YOUR CUSTOM PLAN
- Recommended approach
- Month-by-month action plan
- Milestones to celebrate
- Maintenance plan after debt-free

## OUTPUT FORMAT
Side-by-side comparison with clear recommendation, detailed payoff schedule, and motivational milestones.