Compare avalanche vs snowball vs investing your extra payments. Find the break-even APR where paying debt beats investing — and see 10-year net worth projections for each strategy.
The honest answer: debts above 7–8% APR always get paid first. Below that, investing wins mathematically — but the psychological benefit of being debt-free is real. Pick the strategy you will actually stick with.
Projections are hypothetical. Not financial advice.