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Pay Off Debt or Start Investing? - Decision Tree | PsychStreet

← Back to finance-money scenarios

Pay Off Debt or Start Investing?

Multi-choice

⏱️ 4 min · Make your choices and see the outcomes

Progress

💸

Pay Off Debt or Start Investing?

You're Kiran. You've worked hard and saved ₹50,000 — the most you've ever had. Your personal loan (₹1.2 lakh, 14% interest) has 18 months left. Your colleague just made 18% returns investing in index funds last year. You have 48 hours before your loan's next EMI is due.

💰

Kiran, 27

Software developer, 2 years into their first job

“Has ₹50k saved, a ₹1.2L loan at 14%, and conflicting advice from everyone”

💡 Remember

These decision trees are based on research and common patterns. Real life is more complex. Use this as a guide to think about your choices, not as absolute predictions.