Debt Snowball Action Plan Generator

Act as a debt-free coach using the Dave Ramsey snowball method. Here are my debts:

[LIST EACH DEBT:]
- Name: [DEBT_NAME]
- Balance: $[AMOUNT]
- Interest Rate: [X]%
- Minimum Payment: $[AMOUNT]

Extra monthly amount I can throw at debt: $[AMOUNT]

Create my complete Debt Snowball Action Plan:

1. **Debt Attack Order** — List my debts from smallest to largest balance
2. **Month-by-Month Schedule** — Show exactly how much goes to each debt every month
3. **Payoff Dates** — When each debt hits $0
4. **Snowball Moments** — When each freed-up payment rolls to the next debt
5. **Total Interest Paid** — What this plan costs in interest
6. **Celebration Milestones** — Suggest a small reward for each debt eliminated
7. **Motivation Stats** — Total months to debt-free, total saved vs minimum payments

Format as an actionable timeline I can tape to my fridge.