My folks, and welcome back to the Meaningful Money Podcast.

This is season 22, episode three.

Here we are. Welcome back. Great to have you with us.

Thank you to everybody who's listening.

Welcome back to my steam co-host, Mr. Roger Weeks.

How you doing, bud?

Yeah, fine. Thanks, Pete, for this time of night.

Yeah, I wonder if we're really quiet

where the people will hear the pneumatic drilling

going on right outside.

Right, outside the window.

The mics, fortunately, should cut most of it out.

But if we just have to have no breaks in our conversation, Roger, it's all right.

Yeah, just keep chatting.

OK, folks, today we are covering similar ground

in many ways to episode one of this season where we asked

whether you should overpay your mortgage or invest.

But this time, we're trying to solve the dilemma

of whether you should invest while you're still paying off bad debts.

Or we'll be clear.

But I actually think this might be one of the rare occasions

where we can be pretty binary and pretty unequivocal, we will see.

...