What! Dr. T, what are you talking about now? I know you must think I’m crazy (or maybe that I’ve just move back to Syracuse), but today I’d like to talk about snowballs. I’m not speaking of the fluffy white snow packed into a perfect round ball kind of snowballed though. I’m talking about small events that happened one after another that add up to something bigger. 

Several years ago, my husband learned about Dave Ramsey. Dave Ramsey teaches financial peace. He has a radio show, books and courses all about getting people out of debt and achieving financial peace.  One of his methods is something he calls the debt snowball. 

Debt snowball in a nut shell: 

1) Line up all of your debts from smallest amount to largest amount 

2) Pay the minimum payment to each item, except for the smallest...