GYC Insights

An extensive library of financial articles rooted in research and data-science, written with the experience of decades in the industry.

Financial Planning Carl Chay Financial Planning Carl Chay

Balancing Act

A common question from clients is ‘Should I use my money to reduce debt now or should I start investing and saving first? Can I do both and at what cost?’ A plethora of self-help books and information online either declare debt as a deadly sin or heaven-sent. Let’s look at possible ways to think about it.

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