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@jessy200 Ya I think he does that for people who just don’t have the self discipline to use them as essentially debit and pay em off before any interest accrues. He’s generally speaking to ppl in mounds of debt and so he gives harsher advice to those and tell them they flat out shouldn’t have...

@mkelly1075 That’s true. It’s free money OP is passing up and the risk level tolerance can be easily controlled. You’ve swayed me. That being said any debt with 10% (or really any over 7+%) outside a mortgage is not a fun one to have hanging over ones head and should be tackled with expediency

@mkelly1075 Well, yes and no. It’s free money and the stock markets annual returns average at around 9% in something like sandp500, but always chance of a downturn. I think OP should tackle both at once even if it’s depleting 10 of his 15 in savings, but choosing the match while then waiting to...