as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
what's the general principle behind choosing saving vs. paying off debt?
user
debt creates risk.  plain and simple.  comparing interest rates of debt vs. possible investing.  to me, it is all meaningless.  when you are in debt, you options are limited.  if you are not in debt, you have more freedom. to me, it is a no brainer.  become debt free asap.
assistant