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Debt vs. Retirement? Proven Strategies to Crush Debt Without Killing Your Future
Is it smarter to pay off debt or invest in retirement — and how do you know when to hit pause?
In this episode of The Prosperity Lounge, Joey Ruffalo breaks down the most emotionally loaded question in personal finance:
“Should I pause my retirement contributions to pay off debt?”
You’ll discover:
✅ The exact debt payoff strategies that work (Snowball, Avalanche, Hybrid & more)
✅ How your age and proximity to retirement change the entire conversation
✅ Why the math says YES — and when it doesn’t
✅ How to negotiate with lenders and build a real payoff plan
✅ Listener questions on car loans, savings, medical bills, and more
Joey also shares how he and his family paid off $370,000 in debt — and what made the biggest difference.
🎁 Grab the Debt Payoff Tracker and budgeting tools at
👉 TheProsperityLounge.com
🎧 Subscribe, leave a review, and share this episode with someone who’s ready to break free.
Because debt steals your future — but every payment is a punch back. Let’s fight this together.
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By Joey Ruffalo | Financial Coach • Business Growth ExpertIs it smarter to pay off debt or invest in retirement — and how do you know when to hit pause?
In this episode of The Prosperity Lounge, Joey Ruffalo breaks down the most emotionally loaded question in personal finance:
“Should I pause my retirement contributions to pay off debt?”
You’ll discover:
✅ The exact debt payoff strategies that work (Snowball, Avalanche, Hybrid & more)
✅ How your age and proximity to retirement change the entire conversation
✅ Why the math says YES — and when it doesn’t
✅ How to negotiate with lenders and build a real payoff plan
✅ Listener questions on car loans, savings, medical bills, and more
Joey also shares how he and his family paid off $370,000 in debt — and what made the biggest difference.
🎁 Grab the Debt Payoff Tracker and budgeting tools at
👉 TheProsperityLounge.com
🎧 Subscribe, leave a review, and share this episode with someone who’s ready to break free.
Because debt steals your future — but every payment is a punch back. Let’s fight this together.