Should you pay off debt or invest? Most people get this wrong, and they get it wrong the same way.
Jake pays minimums and invests everything. Vanessa attacks her debt with everything she's got. On paper, they're opposites. In reality, they're making the exact same mistake.
This video reveals the hidden connection between your 401k and your debt that nobody talks about, and why your "balanced" target date fund might actually be a leveraged stock portfolio in disguise.
Here's what you'll learn:
→ Why a bond and a loan are the exact same financial instrument (just with opposite signs)
→ The real reason your "conservative" portfolio isn't conservative at all if you carry debt
→ The "crash test" formula that shows why every market downturn hurts 67% more than you expect
→ Why debt payoff is actually a bond purchase and how to know which "bonds" to buy first
→ The one number hiding on page 4 of your 401k statement that determines your entire debt strategy
→ Why the "snowball vs avalanche" debate barely matters compared to the stop line nobody talks about
We run the real math on real numbers: $48K in debt, $120K in a 401k, $600/month in spare cash. The results will change how you see your balance sheet forever.
If you've ever wondered "should I pay off debt or invest?" This is the framework that finally answers it honestly.
Jake pays minimums and invests everything. Vanessa attacks her debt with everything she's got. On paper, they're opposites. In reality, they're making the exact same mistake.
This video reveals the hidden connection between your 401k and your debt that nobody talks about, and why your "balanced" target date fund might actually be a leveraged stock portfolio in disguise.
Here's what you'll learn:
→ Why a bond and a loan are the exact same financial instrument (just with opposite signs)
→ The real reason your "conservative" portfolio isn't conservative at all if you carry debt
→ The "crash test" formula that shows why every market downturn hurts 67% more than you expect
→ Why debt payoff is actually a bond purchase and how to know which "bonds" to buy first
→ The one number hiding on page 4 of your 401k statement that determines your entire debt strategy
→ Why the "snowball vs avalanche" debate barely matters compared to the stop line nobody talks about
We run the real math on real numbers: $48K in debt, $120K in a 401k, $600/month in spare cash. The results will change how you see your balance sheet forever.
If you've ever wondered "should I pay off debt or invest?" This is the framework that finally answers it honestly.
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