I’ve been wrestling with this question lately and would love to hear how others approach it. On one hand, paying off debt (especially high-interest stuff like credit cards) feels like a guaranteed return by eliminating interest payments. But on the other, investing extra cash could lead to higher long-term gains, especially in a solid market.
How do you balance the two? Do you prioritize one over the other, or split your focus? For those who’ve been through this, what factors helped you decide interest rates, risk tolerance, or something else? Curious to hear your thoughts!