[musicale]

> Why would you choose the snowball strategy?

I don't use the snowball strategy because it's not cash-optimal.

However I do appreciate one major advantage it has over highest-rate first: reducing the number of bills you have to pay, bill quantity being a very annoying administrative and mental load that can eat up time and attention.

Certainly nobody says "wow, I wish I had a larger number of debt-collecting agencies I had to deal with each month."

With that in mind, it can make some sense to pay off small debts even if they are lower rate simply to avoid having to deal with their owners repeatedly over time.