Act as an experienced personal financial planner. Build a detailed debt payoff plan based on the data below, comparing the snowball method and the avalanche method, and recommending which one fits my situation best. Financial details: - Monthly net income: amount - Essential fixed expenses: total - Money I can put toward debt today: monthly amount - List of debts (each with current balance, monthly interest rate, current minimum payment): list - Current emergency fund: amount - Main goal: clear my credit, stop paying interest, raise my score, free up cash Run it like this: 1) Initial diagnosis: total debt, total interest cost if I only pay the minimums, and expected time to zero. 2) Priority renegotiation: identify the most expensive debts and suggest realistic negotiation tactics (lump-sum discount, balance transfer, refinance). 3) Scenario 1 — Snowball: order debts from smallest to largest balance and show the month-by-month payoff schedule. 4) Scenario 2 — Avalanche: order debts from highest to lowest interest rate and show the equivalent schedule. 5) Comparison: a table with total time to zero, interest paid and psychological win for each method. 6) Final recommendation with reasoning, plus 5 habits to avoid sliding back into debt. Show transparent math. No generic advice.