 TITLE: Should I Pay Off Debt Before I Invest? CONTENT: It Doesn't Have to Be All or Nothing\n------------------------------------\nAs you approach saving, investing and paying off debt, keep in mind that you don't have to focus on just one thing at a time. If you do, it could end up taking longer to start working on each of your goals, which could delay your success.\nLook to find a balance between your savings, investing and debt payoff plans. While it can take a little longer to achieve each goal this way, it can give you a more well-rounded financial foundation and pay off in the long run.\nAlso, it's important to keep your emotional needs during this process. For example, if you're experiencing significant stress over your low interest car loan, the peace of mind that comes from paying it off may be more worth it to you than your investment returns.\nFinally, keep in mind that investing doesn't come with guaranteed growth. Any average or likely rates of return you may see are often based on long-term performance, and you may experience higher highs and lower lows—even negative growth—in the short term.\nAs you try to find the right strategy for you, it may be worth working with a financial advisor, who can not only provide valuable advice about what to do with your money but can help you find good investment options if you choose to take that route. END