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Financial Literacy Month · Day 22 of 30

Pay Down Debt or Invest? Build a Decision Framework

Compare debt costs, cash needs, employer matching and uncertain investment returns to decide what your next available dollar should do.

Full lesson planned for November 22, 2026

By Finnomia · Free learning series

Day 22, Financial Literacy Month. Give your next dollar a job. A loan document, savings jar and young maple tree illustrate choosing between debt repayment, cash reserves and investing.

A look ahead

What you’ll learn

  • Start with the money that is truly available
  • Separate the interest calculation from the investment forecast
  • Give access to cash its own place in the decision

This lesson includes a practical exercise you can work through at your own pace. No Finnomia account is needed.