At what point did you begin investing? How much debt did you have left and did you have an emergency fund?

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I just started investing. It's not much but I have direct deposit into a 401K. I still have lots of debt and am paying a certain amount each month but I feel I really need to start investing. I have been putting in $100 month into my emergency fund. Once I save $3,000, I will probably put more of my money into investments.

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I've always done minimally my company's match, even with student loans and other debt. First company was 3%; current is much better. It was an easy decision for me when rates are low and an 8% average return beat the low consolidated rate my loans are at.

That's the struggle I have now - no where will I get a return as high as the interest rate on my loans

Ive been investing here and there since I was 18 but its honestly something I really need to get etter about.

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Additional Posts in Student Loans

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

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Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

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