The Smarter Way to Crush Debt: How Debt Stacking Can Help You Take Back Control

Feeling buried under multiple debts? You’re not alone and you’re definitely not without options.

For many of my clients, debt feels like a mountain that only grows taller. They make payments every month, yet the balances barely move. That’s not just frustrating, it’s financially draining.

But there’s a smarter way to tackle your debt and it’s called debt stacking.

💡 What Is Debt Stacking?

Debt stacking is a strategic way to pay off your debts in the most efficient and cost-saving order. Instead of paying off the smallest debt first (like the snowball method suggests), you focus on the debt with the highest interest rate while still making minimum payments on the rest.

Here’s why that matters: High-interest debt costs you the most over time. By eliminating that first, you save more and accelerate your path to financial freedom.

📊 Why It Works (And Why It’s Better for Most People)

Let’s say you have the following debts:

• Credit Card A: $5,000 at 22% interest
• Car Loan 1: $10,000 at 7% interest
• Personal Loan: $7,000 at 12% interest
• Car Loan 2: $15,000 at 5% interest
• Credit Card B: $2,000 at 18% interest
• Mortgage: $200,000 at 4% interest

With debt stacking, you list your debts by interest rate not balance and tackle the highest interest rate first.

So you’d aggressively pay off Credit Card A first (22%), then Credit Card B (18%), followed by the Personal Loan (12%), and so on.

Notice how the mortgage and car loans come last? That’s intentional. These tend to have lower interest rates, so they cost you less over time. It’s smarter to attack the high-interest balances first because that’s where your money is being drained fastest.

By the time you reach your mortgage or car loans, you’ll likely have more cash flow and discipline to speed up those too.

🔁 Stack Your Wins

Paying off debt this way also gives you a sense of measurable progress. Each time you eliminate one balance, you roll that monthly payment onto the next one creating a snowball effect with real financial muscle.

It’s like compound interest, but in reverse: the more you eliminate, the faster you go.

✅ Ready to Take Back Control?

If you’ve felt stuck making minimum payments, you don’t have to stay there.

Debt stacking puts you back in charge of your money and not the lenders.

Let’s talk:

👉 Have you tried debt stacking or another method like debt snowball?

👉 Which one worked better for you and why?

Drop a comment or DM me if you want help mapping out your personal strategy. I’m here to help you take the next step with confidence.