Stress and risk are not typically considerations when people look at taking out some sort of loan however, 80% of the population has some sort or form of debt. As you further build-out your Plan to Spend it will be crucial to factor in a debt payoff plan. Now most of us have heard of the Debt Stacking Method or Debt Avalanche Method, as well as the Debt Snowball Method. However, being that margin is the focus as we build options into your personal finances a method has been developed to specifically focus-in on that. We have all heard that it’s easy to get into debt, but not so easy to get out of it. Being that there is not a quick fix to getting out of debt, following a 12-step process may be just the solution for you.