The “Pay Down Debt vs. Invest” Math Has Shifted

Should you prioritize paying off your student loans or is it smarter to focus on investing? With interest rates changing dramatically since the days of ultra-low 3% loans, we break down how the math (and the mindset) has shifted.

You’ll learn how rising interest rates affect that balance, how your tax bracket factors in, and why it might be smarter to shift extra money toward debt rather than your brokerage account, at least for now.

Key moments:

(03:53) How loan interest rates relate to your tax bracket and what that really costs

(07:02) Deciding when to prioritize debt paydown over investing in brokerage accounts

(08:13) When liquidity makes sense if you’re considering life changes or starting a business

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