Hello, Wine Abbers, my name is Jesse Meakin, with another episode of the Wine Ab Podcast

where we teach you four rules to help you stop even paycheck to paycheck, get out of

debt and save more money.

I have a question from a listener, essentially asking, I got my first real job, I finished

up with college, and do I pay off the debt, do I invest?

What to do, all right?

So you can play this game in a few ways.

One is, imagine your life, just imagine your life five years from now, and imagine that

you have no debt and a small nest egg, okay, there's one, I did, you're supposed to imagine

much more vividly with a lot of details, what I'm doing this quickly, phase two, imagine

your life five years from now, you have some student loan debt, it's at a reasonable

interest rate because they are, it's subsidized rate, so you've got that, and you have a

reasonable e-size nest egg, it's looking good, things feel good, you're still making

your loan payments, but you're also contributing to your retirement, and you like the trend,

they're both diverging in a wood, one might say, third, the third option, you've got

paid them five years from now, you've paid the minimum on your student loans, they're still

there, and from the looks of it, they'll be there for a long time, but your nest egg, this

retirement thing you've got going, it's just, it's going, you're contributing, you're maxing

things out, we're applicable, and yeah, that's the state of things, which one do you like?

Do you like the one where you're almost out of debt, or maybe are, do you like the one

where you're still in debt, but you like the trend, do you like the one where you have a lot

of debt still, but your retirement nest egg could wipe that student loan debt, do not do that,

...