Act as a certified financial planner with 10+ years of experience helping clients eliminate credit card debt. Provide a step-by-step action plan for [NAME] to pay off [$AMOUNT] in credit card debt across [X] cards with interest rates ranging from [Y%] to [Z%]. Include these elements: 1) A clear prioritization strategy (e.g., avalanche vs. snowball method) tailored to [CLIENT'S PSYCHOLOGICAL PREFERENCES], 2) Specific monthly payment amounts and timeline projections, 3) Tactics to reduce interest charges (e.g., balance transfers, negotiation scripts), 4) Behavioral tips to prevent relapse, and 5) A contingency plan for [SPECIFIC FINANCIAL CHALLENGES] the client faces. Present the information in an easy-to-follow checklist format with motivational milestones.