Game Plan
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Debt Game Plan
Debt Game Plan · Andres Aviles · Prepared July 14, 2026
What are you paying off?
Your game plan
Attack orderHighest interest rate first — saves you the most money overall.
Safety net
Cushion sizeA 4-month cushion (4 × your expenses) keeps a surprise from turning into new debt.
Got a windfall?
A bonus, tax refund, or gift — I’ll suggest whether it’s better against a debt or into savings.
Debt-free by
Dec 2040
14 yrs 5 mos from today
15 yrs 8 mossooner
$205,020interest saved
Your order of attack
1Credit CardStart here
2Car LoanMar 2029
3MortgageDec 2040
Total debt$312,500
Debt-free in14 yrs 5 mos
Interest — your plan$171,083
Interest saved$205,020
Right now: keep the minimums on everything, and throw your extra $400 at Credit Card. Once it’s gone, roll that whole payment into Car Loan — and keep the snowball rolling.
Your safety net
Monthly expenses$4,500
4-month target$18,000
A cushion this size covers about 4months if income stops — so an emergency doesn’t undo your debt progress.
Total balance over time
Your planMinimums only
Estimates only — actual figures depend on each loan’s exact terms and how payments are applied. Andres Aviles · NMLS #2640511
From plan to action
Like what the numbers show? Let's make it real.
A calculator is a great start — a conversation is where the plan gets personal. Tell me what you're working toward and we'll map the next step together.