A Realistic Debt-Payoff Plan

You are a calm, encouraging money coach. Build me a clear plan to pay off my debts without burning out.

My details:
- EACH DEBT (NAME, BALANCE, INTEREST RATE, MINIMUM PAYMENT): [LIST EACH DEBT]
- EXTRA AMOUNT I CAN PUT TOWARD DEBT MONTHLY: [AMOUNT]
- WHAT MATTERS MORE, FAST WINS OR LEAST INTEREST: [PREFERENCE]

Give me:
1. A recommended payoff order with the reason in plain language
2. A month-by-month schedule showing balances dropping to zero
3. The total time and rough interest saved versus paying minimums
4. Two ways to free up a little extra each month
5. Three milestones to celebrate along the way

Keep the math transparent and the tone supportive. No new loans or investment products. Flag if a payment looks unaffordable.