Ep.329 How to Decide When Debt Becomes More Expensive Than Growth

This episode is for anyone carrying credit card or loan debt. If you’re responsible, skilled, and capable of earning more, you don’t need to panic about scarcity—but you do need to take ownership. No one else will pay your bills. Start with the basics: list all your debts and cut the highest interest first. Every month you delay is money you’re giving away. But go deeper—learn to calculate your rate of return on borrowed money. If your investment makes 10% and you’re paying 10% interest (or m...