Debt isn't a character flaw. It's a math problem. Here's the order of operations — and when paying it down is actually the better investment vs. when it isn't.
The question most people start with. The answer depends on what kind of debt you have — not on rules of thumb.
IDR, PAYE, refinancing — there are more options than most people know. Picking the right plan can save you thousands.
The threshold framework: when paying off debt is a guaranteed return, and when the math favors investing instead.
The mechanics of credit card debt, interest compounding, and how to use cards as a tool instead of a trap.
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