💰 Is It Better to Save Money or Pay Off Debt First?
A realistic guide to choosing stability over stress and momentum over perfection Introduction 🧠 Few money questions trigger more anxiety than this one. You’ve got debt staring you down, a savings account that feels underwhelming, and a steady stream of advice that somehow contradicts itself at every turn. One voice says wipe out debt immediately. Another says build savings no matter what. Meanwhile, life keeps charging interest in the background. This question isn’t really about math. It’s about security, psychology, risk, and how money actually behaves in real households, not spreadsheets. The right answer depends on which problem hurts you faster and which habit you can actually sustain . So let’s stop pretending there’s one perfect rule. Instead, we’ll look at how saving and debt payoff work in the real world, when each should come first, and how to avoid the common traps that keep people stuck for years. 🧩 Why This Question Is So Hard On paper, debt looks like an emergency. Inte...