Generate a full, in-depth guide comparing the Debt Snowball and Debt Avalanche methods. The guide must be written in a clear and analytical tone. It must include: 1. A detailed explanation of the Debt Snowball method (listing debts smallest to largest) and its psychological benefits. 2. A detailed explanation of the Debt Avalanche method (listing debts by highest interest rate) and its financial benefits. 3. A 'Which is Right for You?' worksheet with guiding questions. 4. A sample calculation for both methods using a hypothetical debt scenario. Please include a disclaimer that this is educational and not financial advice.