first you put the account, the name of it, the balan, the monthly known payment and the due date.ivided by $50 this person can be out of credit card debt with that card in ten payments. with this credit card down here, it would take them 39 payments. so we call this debt stacking. what this means that we want you to with this mathematical formula, pay off your smallest credit cards first. all debt can be expensive, small credit cards with over the limit fees, late fees can actually add up to higher debts than higher credit cards. >> this next one is counter intuitive. because people have often been told, pay off the credit card with the highest interest rate. >> and i disagree. because again, we want you to reduce the amount of credit cards that you have. we have seen people where maybe they have got a car that could actually be paid back in six months, get. minimum payments on everything, get rid of it. fewer debts better, fewer debts more freedom. families fight over bills, you reduce the debts, you have less fights. >> is book is called debt free for life. you're back tomorrow