Pay Debt or Invest?

>>2049428

> please no cryptocurrency talk

AHAHHAHAHAAHHAHAHAHAHAHAHAHAHAHAHAHAHAHAHHAHAHAA

>what's the best way to invest my money?
>oh no don't tell me about the best way to invest my money tell me about the other best investment that carries no risk yet delivers huge returns

Literally you right now. Sure you're smart enough for a PHD?

>>2049428
If you think your investment will have a higher return than your debt interest rate, then invest. Otherwise, pay off debt.

>>2049428
buy bitbean

>>2049475
I could pay off debt by the time I graduated, which would be nice, but 29 feels old as shit to have 0 retirement savings.

> Debt all together is about 4.9%

>>2049505
That's what you get for going to university x3. Enjoy being the unique nocoin and nomoney combination of fail.

>>2049428
It really depends on what the interest rate is on the student loans. Anything 8% or above and I would say those need to be your main concern.

Also, because I would assume that you will likely be busy, or at least should be with a PhD program, I would suggest just focusing on paying as much of your debt off as possible instead of taking the required amount of time to properly educate yourself on investing.

If you are comfortable with the investment vehicles that you have put into your IRA then continue to add a small percentage to help along the 2k with compounding.

Once you have completed your doctorate then by all means start learning more about investing to better put your money to work for you as soon as you pay off those loans.

>>2049505
How could you pay off 36,000 dollars when you would only be netting ~$1300 a month?

Do you have alternative income?

5 year PhD program? Why so long?

I'm 3 years into a 3.5 year PhD and I'm about ready to blast my brains out. I hope it's something you're genuinely interested in and passionate about is all I can say.