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I have a field in excel that represents the GSID, that I want to concatenate to create a link. Example field GSID is 123-west and the link needs to be www.website/123_west.html for some reason using concatenate with left & right formulas to switch - to _ results in the field throwing an error. Anyone knows of a way to make this work?
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Pay of the debt and invest the rest
Pay off the debt right before interest starts to accrue again. That should leave you with plenty of an emergency fund and some money to invest.
(make sure to leave enough cash for a 3-6 month emergency fund though
What rate is the debt? What are your monthly expenses?
Wow, $200 is amazing. Help your folks or plow whole paychecks into the market and some of that cash. Look at pwCs mega backdoor Roth IRA. It’s “after tax” contributions in the portal. Save like 24k there if you can and convert it into a Roth IRA held at Fidelity/Schwab/Vanguard.
Pay off the debt, without a doubt… it’ll be a weight off your shoulders and will need to be paid off eventually
Pay debt, invest the rest, and then save to purchase property (for either investing or living)
Make more money.
Mentor
Wanting to optimize how you prioritize paying down debt and saving isn’t mutually exclusive from focusing on your career and earning more though. You can do both and smart decisions that help you save more now mean when you earn more, you may be more mindful about what you do with the extra income.