Write a comprehensive debt payoff playbook using the debt snowball method in a {{tone}} tone for {{target_audience}} whose goal is {{goal}}. Include: Overview, Prerequisites, Step-by-step Plays (debt inventory template, strategy breakdown, monthly action plan, acceleration tactics, motivation system, post-debt transition plan), Metrics to Track, and Troubleshooting Guide. Maximum 1800 words. Use Markdown headings. Make recommendations specific to {{target_audience}}. Use plain language. Skip any section if information is unknown. Include specific numbers where possible. Paste any relevant background information after these instructions before running.