Behavior vs. logic

Behavior trumps logic. If you want to pay off debt quickly, the maths says that it is best to attack the highest interest amount first, then work your way down to the next highest.

However, it turns out that debt payments are not a maths problem, they are a behavior problem. Therefore the opposite (attacking the smallest interest amount first, and then using the payments from that amount to pay off the next smallest etc) is the best way to change behavior and cancel debt.

Small manageable victories are always more sustainable than large sacrifices, even if they are not scientifically going to get you to your goal most efficiently.