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    Pay off debt or invest my money: What is the right way to go?



    Save for that rainy day

    Before paying down debt (beyond required payments) or settling on an investment strategy, make it a priority to set aside funds for an emergency reserve. The recommended reserve should equal 6 months or more of living expenses. (The absolute minimum is 3 months.) These funds should be placed in traditional savings or short-term, highly liquid, non-volatile investments.

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