24. Pay Off Debt or Invest? How to Decide Without Leaving Money on the Table

Should you put extra cash toward your debt… or invest it and let it grow?When you’re making good money and trying to be intentional, this isn’t a small decision. Handled well, it can turn into hundreds of thousands of dollars working for you over time.In this episode, we cover how to decide using interest rates, opportunity cost, and realistic stock market returns so you can decide if you should pay off debt or invest.We’re breaking down:When high-interest debt needs to go immediatelyWhy low-interest debt is a different conversationWhat “opportunity cost” actually means (without finance bro energy)The mortgage example that shows how a simple calculation could make you $400k richerAnd how to decide without spiraling or second-guessing yourselfThis isn’t about being debt-free at all costs or blindly investing.It’s about understanding what your money is doing to align your money with the life you truly want.If you want to run this with your actual numbers — your income, your timeline, your goals — that’s exactly what we do inside 1:1 coaching. See if it's right for you.1:1 Coaching: www.buildwealthwithkatie.com/coaching