If you’re serious about financial stability, eliminating debt is not optional. But once you decide to pay it off, the next question becomes: Should you use debt snowball vs avalanche? Both work. Both are proven. But they work for different personalities. Let’s break it down clearly — no hype, no motivational fluff. What Is the Debt … Read more
Should you pay off debt or invest first? This is one of the most common financial dilemmas — and one of the most misunderstood. Some say: “Always pay off debt first.” Others argue: “Invest early. Time in the market matters.” The truth? The correct answer depends on math, risk, psychology, and your personal stability. Let’s … Read more
How much credit card debt is too much? Most people expect a simple number. $5,000? $10,000? $20,000? But the real answer is this: Credit card debt becomes “too much” the moment it starts controlling your financial decisions instead of supporting them. Let’s break this down with real numbers, practical thresholds, and warning signs you can … Read more
