Episode Details

Should you pay off your mortgage or invest? Choose Roth or traditional? Buy rental properties or stick with index funds?

Paula Pant, host of Afford Anything, joins us again to work through some of the biggest debates in personal finance. Instead of giving everyone the same answer, she shares frameworks for making decisions based on your income, your goals, and the risks you’re already taking.

She also opens up about her own portfolio, including why she paid off all seven rental properties and moved beyond a simple VTSAX strategy.

In this episode, we cover:

• Growing the gap between what you earn and what you spend
• Separating your actual needs from lifestyle upgrades
• Paying off your mortgage versus investing, and choosing a 15- or 30-year loan
• Where to keep your emergency fund without overcomplicating it
• How Paula balances rental income and index fund investments
• Why she favors Roth accounts and when traditional makes sense
• Using side hustles to diversify your income and build new skills
• Following your curiosity instead of waiting to find your passion
• When to embrace Coast FI or pause retirement contributions to build a business

And much more.

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Links From the Episode

• Afford Anything
• Paula’s Free FiiRE Workbook
• Paula’s First FI Show Appearance

YouTube Interview

https://www.youtube.com/watch?v=31k632WLFTw

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