Should I Pay Off Debt or Invest? (How to Do Both)

🏠 FEATURED OFFER: Unlock Your Home Equity with Point Tied down by high-interest debt but don't want another monthly payment? Point’s Home Equity Investment (HEI) gives you a lump sum of cash for a share of your home’s future value. LEARN MORE ➡️ https://us.humanz.ai/pointhomeequity/951490 Should you pay off debt or invest first? Most people are told to become debt-free before ever touching the stock market. But in 2026, that "either/or" thinking could be a trap. With Social Security benefits only covering about $2,071 a month and pensions disappearing, waiting 5–10 years to start compounding can cost you serious money in lost wealth. In this video, I’m breaking down the Split Strategy: a framework that lets you aggressively attack high cost debt (like credit cards at 20%+ interest) while simultaneously building your net worth. We’ll cover how to categorize "Low Cost" vs. "High Cost" debt, why your 401(k) match is non-negotiable, and how to automate your way to a 7-figure portfolio even if you're starting with debt. 💰 THE HOME EQUITY ADVANTAGE Don't let your home equity sit idle while you pay 20% interest on credit cards. Use Point to regain control of your cash flow. ➡️ https://us.humanz.ai/pointhomeequity/951490. Point invests alongside you, so there are no interest rates and no monthly payments. It’s a smarter way to bridge the gap to financial freedom. #PointPartner *Point Digital Finance, Inc. dba Point Visit point.com for more information Terms and conditions apply. Equal Housing Opportunity NMLS #1610752 🌐 FREE TOOLS & WEALTH RESOURCES Continue your wealth-building journey at my official website: ➡️ https://rashidaherbers.com 🆓 Access my full library of FREE financial tools and calculators: ➡️ https://rashidaherbers.com/tools - Download the Debt Pay Off Accelerator 🕒 KEY MOMENTS 0:00 💸 Why paying off debt first can cost you 1:21 📉 Why this matters right now 3:05 🧾 Step 1: Know what kind of debt you have 4:51 🏗️ Step 2: Build your financial foundation 6:03 🏠 Homeowner options with Point 8:35 ✂️ Step 3: The Split Strategy 9:43 💳 Why credit card debt comes first 11:18 ⚖️ When to use a 70 30 split 13:09 👩🏽‍⚕️ Denise example: how the strategy works 14:01 🔒 Step 4: Automate and protect your progress 14:53 🌱 The bigger picture 15:21 🎯 Final takeaway and next video 🎬 Watch More of MY Videos ➡️ https://www.youtube.com/playlist?list=PLQ189wPdVPeId0Y5O7ZYvpQMzGXoBnb49 💰POINT DISCLOSURE: Point Digital Finance, Inc. dba Point Visit point.com for more information Terms and conditions apply. Equal Housing Opportunity NMLS #1610752 🔗 FULL AFFILIATE DISCLOSURE: This video features content sponsored by Point. The creator is affiliated with Point and compensated for this partnership. If you choose to use the links provided, I may earn a small commission at no additional cost to you. This helps support the channel and allows me to continue making free content for you. Thank you! 📜 FULL LEGAL DISCLAIMERS Financial/Professional Advice Disclaimer: I am not a financial advisor, attorney, or accountant. This content is for educational and entertainment purposes only, based on my personal research and experience. All opinions expressed are solely my own. ⚠️ Risk and Suitability: You should be aware of the real risk of loss in following any investment strategy discussed. Point Digital Finance, Inc. dba Point. Visit point.com for more information. Terms and conditions apply. Equal Housing Opportunity NMLS #1610752. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. ➸ BUSINESS INQUIRIES ONLY: Rashida@rashidaherbers.com ➸ VISIT MY WEBSITE: rashidaherbers.com ➸ S U B S C R I B E: / @rashidaherbersmoney #PersonalFinance #DebtFreeJourney #InvestingTips #SmartMoneyMoves #PaidAd #PointPartner #WealthBuilding #FinancialIndependence #SocialSecurity2026 #SplitStrategy #HomeEquity #RetirementPlanning