In this episode, Joe answers the question, “I have three credit cards, 1) $17,000, 2) $12,000 balance. Both have about a 15% interest rate. The 3) $3,000 balance and no interest for another year. Which should I be paying off first?” Hear a success story from Crystal who paid off her student loan 9 years early. Joe explains the concept of the debt snowball and why he’s such a big fan of this technique. Joe explains how 0% Balance Transfer Credit Cards work and why they could be right for you.