Today we tackle two common arguments: 1) should you invest or pay off debt and 2) what’s better, investing in your 401k or buying real estate?
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The Prudent Plastic Surgeon
In this fascinating post, Jordan Frey, MD, goes over his reasoning that governs his decision to invest over paying off debt, or visa versa. I really like the way he breaks down this decision and I think he hits all the major points in this article. Here’s a good excerpt:
…for me to forgo paying off debt and instead invest in something, the following criteria need to be met: a higher expected investment return, reasonable investment risk, and a lower debt interest rate.
Jordan Frey, MD
For anyone who’s struggled between the decisions to pay off debt or invest your extra money, this post is for you.
Read the entire post on the Prudent Plastic Surgeon blog: At What Interest Rate Should You Invest Instead of Paying Off Debt?
The Darwinian Doctor
In this post, I visit another classic argument in the world of personal finance: is it better to buy real estate or invest in your 401k? I go over the benefits of both modalities and show you my data driven reasoning that convinced me to put more of my eggs into the real estate basket in recent years. That being said, I’ll leave you with my conclusion:
If you’re a seasoned real estate investor, you probably don’t need any convincing that real estate is better than a 401k. The 401k vs real estate grudge match has already been decided [in favor of real estate].
But if you’re completely new to investing, I recommend you try to max out your 401k each year until you decide what’s right for you.
Daniel Shin, MD
Read the entire post on the Darwinian Doctor blog: The 401k vs Real Estate | What’s the Better Investment?
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