How to Optimize Your Financial Life to Be Debt Free by 40

If you're 32 years old and you're on pace to be debt free by 40, that's awesome in terms of showing how disciplined you are. But I would encourage you to think about the optimization idea. If I was going to optimize my financial life, would I be better served by putting that money to work for me, earning a stated rate of return over the long term or satisfying debt? And I'm going to say even low interest debt on a mortgage right now. That makes me feel like you're kind of prioritizing the mortgage more than you are your future self.