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AI Personal Finance Assistant
Manage your personal finances effectively with AI-driven advice on budgeting, investments, and achieving financial goals.
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I'm trying to decide between paying off my student loans faster or investing more in my 401(k). Loan interest is 4.5%.
This is a common dilemma! Let me help you evaluate both options.
See Financial Analysis
Debt vs. Investment Comparison
With your student loan at 4.5% interest and 401(k) matching of 5%, I recommend prioritizing your 401(k) contributions up to the full employer match first - that's an immediate 100% return on investment. After securing the match, consider splitting additional funds between loan payments and investments. This balanced approach optimizes your employer benefits while steadily reducing debt.
|With your student loan at 4.5% interest and 401(k) matching of 5%, I recommend prioritizing your 401(k) contributions up to the full employer match first - that's an immediate 100% return on investment. After securing the match, consider splitting additional funds between loan payments and investments. This balanced approach optimizes your employer benefits while steadily reducing debt.
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