What CRACTT weighs
Guaranteed return
Paying a 22% card beats any expected market return, with no risk.
Employer match
An instant 50–100% return that usually outranks everything else.
Emergency buffer
Enough cash to keep a surprise from becoming new high-interest debt.
Behavior
The plan you'll actually stick with beats the marginally optimal one.
FAQ
- What about tax-advantaged accounts?
- Mention them and CRACTT factors the tax benefit into the ordering.
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