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💼 Work & Money

Pay Off Debt vs Invest First

Extra money: crush the debt first or start investing right away?

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Who's winning: Pay Off Debt or Invest First?

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Paying off debt first means killing the guaranteed drag of interest and buying yourself real peace of mind. Investing first means putting compounding to work early, betting that market returns will out-run your loan's interest rate. When a spare dollar lands, where should it really go?

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Tale of the tape

⛓️ Pay Off Debt

Return
Guaranteed
Payoff
Peace of mind

📈 Invest First

Return
~7%/yr avg
Edge
Time in market

Work & Money standing

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Pay Off Debt

#57 / 78

1500 ELO

Invest First

#58 / 78

1500 ELO

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