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Shared financial path

Debt Payoff Track

High-interest debt is costing you more than any investment could earn. This path focuses on knocking it out first.

Why this comes first: a credit card charging 24% works against you harder than almost any investment can work for you. Every dollar of high-interest debt you clear is a guaranteed return no market can promise — that's why debt comes before cushion, and cushion before growth.

This is one of four paths Money Therapy's free check-up sorts people into, based on five quick questions about income, debt, savings, and investing.

Find your own path — free 2-minute check-up

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