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.