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 Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show! Mentioned in this episode: Free Student Loan newsletter If you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter The SLP YouTube Channel If you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner