Debt Avalanche vs Snowball Spreadsheet Model: Mathematical Speed Difference on $45,000 Credit Card Debt ▲ Debt Avalanche vs Snowball Spreadsheet Model: Mathematical Speed Difference on $45,000 Credit Card DebtCarrying $45,000 across multiple high-interest credit cards is an immediate drain on net worth. The math does not lie. When consumer balance sheets carry a weighted average annual percentag..