The number of individuals relying on credit cards continues to skyrocket, and as interest rates climb, that debt only gets more expensive. While paying that minimum balance might avoid late fees, that method usually leads to long-term debt. We spoke to a local financial advisor who says if you are paying down your debt but the balance isn't budging, it may come down to your payment strategy.

As the Mega Millions jackpot soars even higher, how do you think you would manage that money?