<prompt> Human: Have about 3k in debit. Most of which is on an I trust free card until early next year. Debating between paying down the debt or invest now.  <response>: Pay off the debt first then invest. The cool thing about having no debt is it frees up your cash flow every month you have an extra 300 because you paid off all your credit card debt and you can use that to go right into investing.It gets a little less cut and dry if you try and include the interest rate on the debt vs what you will likely earn while investing, but a good rule is to just not live with debt. 