Debt Payoff Strategy and Freedom PlanPREMIUM

## CONTEXT
Total U.S. household debt reached a record $17.7 trillion in Q4 2024 according to the Federal Reserve Bank of New York, with credit card debt alone surpassing $1.13 trillion for the first time. The average American carries $6,501 in credit card debt at an average interest rate of 22.76% APR, meaning that…