In this episode we talk about one of the most common questions I hear from optometrists: should I pay down debt or should I be saving for retirement? While every person’s situation is different, it’s important to understand the one theme and idea that’s constant in that equation: the time value of money and compounding interest.

During the show, I’ll discuss:

How compounding interest works, using a snowman as an analogy
A hypothetical example showing the real cost of waiting
The max number of years you should take to pay off student loans while not saving for retirement
The order and type of accounts you should consider when you start saving
The power of habits and how to start small

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