If your outstanding debt carries double-digit interest, the math almost always favors paying it off before investing. No diversified portfolio reliably delivers a guaranteed 20%+ annual return, but paying off a 20% APR card effectively does.
I built a free calculator that compares debt payoff strategies (avalanche vs snowball) side by side and shows which one saves you the most in total interest: https://vextorcapital.com/learn/personal-finance
Curious how others here think about the payoff-vs-invest tradeoff, especially with cash sitting in a 4-5% savings account.
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