THE 3× DEBT RULE – When Investing Beats Paying off Loans скачать в хорошем качестве

THE 3× DEBT RULE – When Investing Beats Paying off Loans

Should you pay off debt or invest your money? This is one of the most common — and most confusing — personal finance questions out there. In this video, I break down a simple but powerful framework called the 3× Debt Rule that helps you decide when investing makes sense and when paying off debt is the smarter move. Instead of generic advice like “always invest” or “always be debt-free,” this rule accounts for real-world factors most people ignore — including taxes, risk, inflation, behavioral mistakes, and sequence of returns risk. We’ll walk through real examples: Student loans vs investing Credit card debt vs investing Why a 6% loan isn’t the same as a guaranteed 6% return When splitting between debt payoff and investing actually works best By the end of this video, you’ll know: When to aggressively pay off debt When investing is clearly the better choice When the decision is personal — and how to make it confidently Why your emergency fund matters more than any strategy This isn’t about optimizing every dollar. It’s about making smart, sustainable decisions you can stick with for years. What You’ll Learn The 3× Debt Rule explained simply High-interest vs low-interest debt decisions How taxes and inflation change the math Why most investors underperform the market The psychology behind debt vs investing After watching, grab your phone and: List every debt you have Write down the interest rate Multiply each rate by 3 Use that number to guide your decision If you want feedback on your specific situation, drop a comment below. I read every single one. 🔔 Subscribe for More If you enjoy practical, no-BS personal finance explained clearly: 👉 Subscribe for weekly videos on investing, debt, and building long-term wealth. Disclaimer: The purpose is to inform viewers about finance in a responsible, educational way, not to provide financial advice. This video is for educational and entertainment purposes only. I am not a financial advisor. Please consult with a professional before making major financial decisions. #savemoney #personalfinance #investing