14 - Should You Pay Off Debt or Invest? A Simple Framework

Money Reset

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Wondering whether you should pay off debt first or start investing? You’re not alone — this is one of the most common (and confusing!) questions in personal finance. In this episode of Money Reset, Budget Babe shares a simple, practical framework to help you confidently decide what’s right for you, based on your debt interest rates, goals, and timeline.

You’ll learn:
✅ A clear rule of thumb for deciding whether to pay debt or invest
✅ Real-life examples of people who made smart choices in different situations
✅ A step-by-step plan to balance debt payoff and investing
✅ Mindset shifts to keep you motivated and moving forward

By the end, you’ll know exactly how to make your extra money work harder — without second-guessing your plan.

🎧 Tune in now and take the guesswork out of one of the biggest decisions on your financial journey!

And don’t miss next week’s episode: Money Mindset Shifts That Change Everything — where we’ll cover powerful mindset changes to help you hit your goals faster and feel more confident along the way.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.