Episode
Money Expert Explains: Should You Pay Off Debt or Invest Early
- Podcast
- The Table with Anthony ONeal
- Published
- Mar 31, 2026
- Duration seconds
- 3067
- Processing state
processed- Canonical source
- http://www.anthonyoneal.com/
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Summary
Should You Pay Off Debt or Invest? The Answer Nobody's Giving You Every financial expert online is telling you to either pay off debt first OR start investing now. They'll both show you the math. They'll both sound convincing. But here's what none of them are telling you — the question itself is wrong. If you keep asking the wrong question, you're going to keep getting the wrong answers. And for millions of people, that's why they've been stuck in the same cycle for the last 10 years. In this episode, I'm giving you the answer nobody in this space has the guts to say. This isn't theory. I was the guy living paycheck to paycheck. I was the guy broke, living in the back of my car. And when I finally started getting my money right, I asked the exact same question you're asking right now. Today I'm breaking it all down using my 5-Phase Escape Plan — a proven framework that takes you from living paycheck to paycheck all the way to generational wealth. The answer to "debt or invest" gets answered differently depending on which phase you're in, and I'm walking you through it step by step. RESOURCES MENTIONED IN THIS VIDEO: 📲 In the Black App (Escape Plan): https://www.anthonyoneal.com/app 💰 High-Yield Savings Accounts: https://www.anthonyoneal.com/savings 🏦 SoFi Invest: https://www.anthonyoneal.com/invest 🥇 Gold / Diversify Your Portfolio: https://www.anthonyoneal.com/gold ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, elim…