the return no ETF can beat 👀
okay this might sound backwards coming from someone who won't shut up about investing… but if you've got high-interest debt, hear me out for a sec 😅
when i started, i thought the goal was to get money INTO the market as fast as possible. but if you're carrying something like credit card debt at 20%+ interest, that debt is quietly growing faster than most investments realistically will 🤷🏻♀️
think about it this way: paying off a card charging 20% is basically a guaranteed 20% return. no ETF can promise you that. the market averages way less over time — and it's not even guaranteed 👀
so before i threw everything at ETFs, i knocked out the expensive debt first.
how i think about it now:
- high-interest debt (credit cards, payday loans) → attack this FIRST
- low-interest debt (some student loans, mortgages) → usually fine to invest alongside
- once the pricey debt's gone, funnel that same payment straight into investing 🚀
the bonus? paying it off felt like lifting a weight i didn't realize i was carrying 💛 way more freeing than watching a stock tick up.
it's not the exciting answer. there's no chart going up. but it's the move that sets everything else up 💸
not financial advice, always do your own research 💛
what are you tackling first — debt, or investing? 👀
