If you care about money, always pay off the debt with the highest interest rate while paying the minimum on all others.

If you don't care about money, do whatever brings you the most joy.

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>Dave Ramsey says to pay the smallest debt first

Dave Ramsey says a lot of stupid things. He also says you can expect to get a 12% return on investments.

He does this to encourage people to save and invest. I applaud the goals. It's a shame he feels the need to lie in order to encourage his listeners. I prefer to tell people the truth.