The Dilemma
You land your first job. HR says: “Start your 401(k)!” But you’re also staring at $30,000… $50,000… maybe even $100,000 in student loans.
For most borrowers, the smart move is not to start saving for retirement immediately. It’s to crush debt first.
Why Debt Reduction Comes First
Save thousands in interest
Build credit faster → cheaper mortgages,…
