Скачать или смотреть Should You Invest or Pay Off Debt First?

Not sure whether to pay down debt or start investing? In this video, we explore the factors you should consider and share practical tips to help you make smart financial decisions. Learn how to balance debt management and wealth-building strategies to grow your money while staying secure.

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Time Stamps
00:00 The Common Dilemma (Debt vs. Investing)
00:23 Three Factors to Consider: Interest Rates, Goals, and Risk Tolerance
00:29 1. Interest Rates (The Math)
00:40 Paying off high-interest debt = Earning a Risk-Free Return equal to the interest rate (e.g., 22% on a credit card
01:00 The Cost of Loss vs. The Benefit of Return
01:10 Student Loan Example (6-7% vs. 4% Savings Account)
01:25 The Power of Employer Match (Higher return often outweighs debt interest)
01:54 2. Financial Goals
01:55 Actively saving for short-term goals (e.g., house down payment)
02:07 Starting early for long-term goals (e.g., retirement)
02:13 3. Risk Tolerance (The Pillow Factor)
02:22 Peace of mind is super valuable—paying debt for stress reduction, even if not mathematically ideal
02:37 Conclusion: Personal Finance is Personal; No Single Answer

Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Carl Lymangood is an employee of Petros Family Wealth. All opinions expressed by them are solely his own opinion and does not reflect the opinion of Petros Family Wealth. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities.

See our disclosures here: https://www.petrosfw.com/disclosures