Hi everyone,

My question is whether I should focus on paying off my debt or investing.

I have been employed full time since graduating June 2019. I’ve been lucky enough to find a sales job making more money than most people my age, I’ll gross about 190k, this year in a LCOL area.

In this time I bought a 28k car on a loan (2.75% for 5 years), bought a house with 145k mortgage (15 year 2.875%) and I have about 13k in student loan debts left.

As far as savings I have a 10k emergency fund, my Roth IRA and 401k are both maxed for the year and have put around 35k in a brokerage account where I have been buying ETFs and blue chip stocks. I hit 100k NW last month after graduating college worth about negative 35k.

What should be my plan be to achieve financial independence? Should I sell my stocks and pay off my debt, get aggressive on the mortgage and Dave Ramsey the fuck out of this or should I rationalize that Dave’s target audience is broke people that know nothing about money or the markets and just keep pumping my investments?

I’m welcome to any and all thoughts.

submitted by /u/nashbar1234
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