Struggling to decide whether to put your extra cash into the stock market or towards your mortgage/loans? You aren't alone. This common financial dilemma can make or break your long-term wealth building.

One of the most common questions in personal finance is whether extra cash should be used to invest for the future or pay down debt. The answer is rarely as simple as choosing one over the other. Instead, the decision often depends on factors such as interest rates, investment objectives, liquidity needs, and your overall financial plan.

In this episode, Cullen shares a practical framework for evaluating when it may make sense to prioritize investing, when paying off debt may be the better choice, and how to think about situations that fall somewhere in between.

What you'll learn

• How interest rate ...