💼 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
Full leaderboard →Pay Off Debt
#57 / 78
1500 ELO
Invest First
#58 / 78
1500 ELO
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