<prompt> Human: If you have some high interest debt like a student loan or credit card debt 6 or 737; it seems unrealistic to expect higher gains from investment than you would be gaining on nipping that extra interest in the butt. I dont know much about investing but isnt it unlikely you can make more than 737; gains without a lot of risk? I want to invest my money and make money passively but I cant justify doing it under these circumstances.  <response>: Just pay off your debt then start investing. Unless you have a matching 401k I wouldnt touch it until your debt is down 