{"id":103266,"date":"2025-03-03T12:00:39","date_gmt":"2025-03-03T12:00:39","guid":{"rendered":"https:\/\/adamfayed.com\/?p=103266"},"modified":"2025-03-03T12:00:40","modified_gmt":"2025-03-03T12:00:40","slug":"how-to-invest-while-paying-off-debt","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/it\/how-to-guides\/how-to-invest-while-paying-off-debt\/","title":{"rendered":"Come investire mentre si paga il debito"},"content":{"rendered":"<p>How to invest while paying off debt is one of the biggest financial dilemmas individuals face.<\/p>\n\n\n\n<p>Should you pay off all your debt first before <a href=\"https:\/\/adamfayed.com\/it\/investment-options\/investing-for-income\/\">investire<\/a>, or should you start investing while still carrying some debt? The right answer depends on interest rates, financial stability, risk tolerance, and long-term goals.<\/p>\n\n\n\n<p>Se state cercando di investire come espatriati o individui con un alto patrimonio netto, che \u00e8 ci\u00f2 in cui sono specializzato, potete inviarmi un'e-mail (advice@adamfayed.com) o un messaggio WhatsApp (+44-7393-450-837).<\/p>\n\n\n\n<p>Questo vale anche per chi \u00e8 alla ricerca di un secondo parere o di investimenti alternativi.<\/p>\n\n\n\n<p>Alcuni fatti potrebbero cambiare rispetto al momento della stesura del presente documento e nulla di quanto qui scritto rappresenta una consulenza finanziaria, legale, fiscale o di qualsiasi tipo, n\u00e9 una sollecitazione a investire.&nbsp;<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Come investire mentre si paga il debito<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.gov.uk\/options-for-dealing-with-your-debts\" target=\"_blank\" rel=\"noopener\">Debt<\/a> comes in different forms, and not all debt is equally damaging. High-interest debt, such as credit card balances and payday loans, can quickly spiral out of control, making it essential to pay them off before focusing on investing.<\/p>\n\n\n\n<p>On the other hand, low-interest debt, like mortgages and student loans, can be managed alongside an investment plan, especially if the expected returns from investing are higher than the interest paid on the debt.<\/p>\n\n\n\n<p>Investing early is important because of compound interest, which allows money to grow exponentially over time. However, aggressively investing while carrying debt can also be risky, as interest on unpaid debt can negate investment gains.<\/p>\n\n\n\n<p>The key to success is finding the right balance, so that debt is managed responsibly while investments grow.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/How-to-Invest-While-Paying-Off-Debt-512x288.jpg\" alt=\"young professionals\" class=\"wp-image-105195\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/How-to-Invest-While-Paying-Off-Debt-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/How-to-Invest-While-Paying-Off-Debt-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/How-to-Invest-While-Paying-Off-Debt-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/How-to-Invest-While-Paying-Off-Debt-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><figcaption class=\"wp-element-caption\"><sub><sup>image by Canva Studio<\/sup><\/sub><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Should you invest while in debt?<\/h3>\n\n\n\n<p>Paying off debt should take priority when the cost of borrowing is greater than the potential returns from investing.<\/p>\n\n\n\n<p>In many cases, eliminating high-interest debt provides a guaranteed return that surpasses most investment opportunities. Here are the key factors to consider when deciding whether to prioritize debt repayment over investing.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">High-Interest Debt Is More Costly Than Investing<\/h4>\n\n\n\n<p>The main reason to prioritize debt repayment over investing is interest rates. If the interest rate on debt is higher than the expected return from investments, it makes sense to pay off the debt first before putting money into the market.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High-Interest Debt (7-10% or higher) \u2013 Most stock market returns average around 7-10% annually after inflation. If a credit card charges 20% interest, any investment gains would be completely wiped out by the cost of debt.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low-Interest Debt (Below 4-5%) \u2013 If a loan or mortgage has a very low interest rate, investing may provide better returns than paying off debt early.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>If you have a credit card with a 22% interest rate, it makes no sense to invest in stocks expecting a 7-10% return, because the cost of debt is more than twice the investment gain. Paying off the credit card first is the better financial move.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Should-you-invest-while-in-debt-512x288.jpg\" alt=\"a guy worried about student loans\" class=\"wp-image-105205\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Should-you-invest-while-in-debt-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Should-you-invest-while-in-debt-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Should-you-invest-while-in-debt-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Should-you-invest-while-in-debt-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><figcaption class=\"wp-element-caption\"><sub><sup>image by Yan Krukau<\/sup><\/sub><\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Minimum Payments Trap You in a Debt Cycle<\/h4>\n\n\n\n<p>Paying only the minimum payment on high-interest debt means that most of the payment goes toward interest rather than the principal balance. This can result in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Debt lasting years longer than necessary.<\/li>\n\n\n\n<li>Thousands of dollars in extra interest payments over time.<\/li>\n\n\n\n<li>A weaker credit score, increasing the cost of future loans.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Instead of only making minimum payments, it\u2019s better to increase monthly payments, use windfalls (bonuses, tax refunds), or apply a debt repayment strategy to eliminate debt faster.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Emotional &amp; Psychological Benefits of Paying Off Debt<\/h4>\n\n\n\n<p>Debt is not just a financial burden\u2014it\u2019s also an emotional and psychological stressor. Carrying high levels of debt can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Create anxiety and financial stress.<\/li>\n\n\n\n<li>Limit financial freedom and flexibility.<\/li>\n\n\n\n<li>Reduce risk tolerance for investing.<\/li>\n<\/ul>\n\n\n\n<p>Becoming debt-free provides peace of mind and allows for a more focused, confident approach to investing. While investing is important, financial security starts with eliminating debt that causes unnecessary financial pressure.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">When It\u2019s Okay to Carry Debt While Investing<\/h4>\n\n\n\n<p>Not all debt needs to be eliminated before investing. Some debts are manageable and may not hinder long-term financial growth.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low-interest student loans (below 4-5%) \u2013 These loans often have flexible repayment options, making it possible to invest while paying them off gradually.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mortgages (3-5% interest rates) \u2013 Paying off a mortgage aggressively may not be necessary if you can invest and earn a higher return elsewhere.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Employer-matched retirement contributions \u2013 If your employer offers a 401(k) match, always contribute enough to get the full match, even if you have some debt. This is free money and provides an immediate return on investment.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How to Decide: A Simple Rule of Thumb<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If your debt interest rate is above 7-10%, focus on paying it off first.<\/li>\n\n\n\n<li>If your debt interest rate is below 4-5%, investing while making regular payments is a good strategy.<\/li>\n\n\n\n<li>Between 5-7% interest rates, consider a hybrid approach\u2014pay down debt aggressively while also investing in tax-advantaged accounts.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/when-to-Carry-Debt-While-Investing-512x288.jpg\" alt=\"\" class=\"wp-image-105216\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/when-to-Carry-Debt-While-Investing-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/when-to-Carry-Debt-While-Investing-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/when-to-Carry-Debt-While-Investing-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/when-to-Carry-Debt-While-Investing-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><figcaption class=\"wp-element-caption\"><sub><sup>image by Yan Krukau<\/sup><\/sub><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Investing While In Debt: How to Balance Investments &amp; Debt Repayment<\/strong><\/h2>\n\n\n\n<p>Balancing debt repayment and investing requires a strategic approach. The key is to eliminate costly debt while still taking advantage of investment opportunities that build long-term wealth.<\/p>\n\n\n\n<p>Instead of choosing one over the other, a <a href=\"https:\/\/adamfayed.com\/it\/financial-planning\/personal-financial-planning\/\">balanced financial plan<\/a> allows for financial growth while minimizing financial risk. In fact, you can even be better off using investments to pay off debt.<\/p>\n\n\n\n<p>Here\u2019s how to achieve that balance effectively:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Set Clear Priorities Based on Interest Rates<\/h3>\n\n\n\n<p>The best way to determine how much to allocate toward debt vs. investing is to compare debt interest rates to expected investment returns.<\/p>\n\n\n\n<p>If your debt interest rate is higher than the expected return on an investment, paying off the debt provides a guaranteed return equal to the interest saved. If the investment is expected to return more than the interest rate on debt, investing may be worthwhile.<\/p>\n\n\n\n<p>For example, if you have a student loan at 4% interest and a potential investment returning 8%, it makes sense to invest while making minimum payments on the student loan since the investment generates a higher return.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Build an Emergency Fund First<\/h3>\n\n\n\n<p>Before aggressively investing or paying down debt, an emergency fund is essential. Without one, unexpected expenses could force you to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Take on more high-interest debt (credit cards, personal loans).<\/li>\n\n\n\n<li>Sell investments at a loss to cover emergencies.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>A good rule of thumb is to save at least 3-6 months\u2019 worth of essential expenses in a high-yield savings account before focusing on aggressive debt repayment or investing.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/high-yield-savings-account--512x288.jpg\" alt=\"a woman counting bank notes for essential expenses\" class=\"wp-image-105224\" style=\"width:459px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/high-yield-savings-account--512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/high-yield-savings-account--300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/high-yield-savings-account--768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/high-yield-savings-account--scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><figcaption class=\"wp-element-caption\"><sub><sup>image by Photo By: Kaboompics.com<\/sup><\/sub><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Use Extra Income for Both Goals<\/h3>\n\n\n\n<p>If you receive a bonus, tax refund, or side income, consider splitting it between debt repayment and investments rather than focusing on just one.<\/p>\n\n\n\n<p>A common approach is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>70% toward high-interest debt (to eliminate financial burden).<\/li>\n\n\n\n<li>30% toward investments (to continue compounding growth).<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>This allows progress toward both financial goals without delaying wealth-building.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Automate Investing &amp; Debt Payments<\/h3>\n\n\n\n<p>To ensure consistency and financial discipline:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set up automatic payments toward debt to avoid missed payments and high interest costs.<\/li>\n\n\n\n<li>Automate investing in tax-advantaged accounts (401(k), IRA, or index funds).<\/li>\n\n\n\n<li>Use percentage-based allocations (e.g., 20% to investments, 30% to debt) to balance financial priorities.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Automating ensures consistent progress without relying on willpower, reducing financial stress while achieving both objectives.<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best Investment Strategies While Paying Off Debt<\/strong><\/h2>\n\n\n\n<p>When balancing debt repayment and investing, it\u2019s important to choose investments that align with financial stability, long-term growth, and risk tolerance. The goal is to avoid high-risk investments that could add financial stress while maintaining consistent investment contributions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Focus on Low-Risk, High-Liquidity Investments<\/h3>\n\n\n\n<p>Since debt repayment remains a priority, investments should be relatively stable and accessible:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Index Funds &amp; ETFs \u2013 Low-cost, diversified investments that offer steady growth over time without excessive risk.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High-Yield Savings Accounts &amp; CDs \u2013 Safe places to park short-term savings while reducing exposure to stock market volatility.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retirement Accounts (401(k), IRA, Roth IRA) \u2013 Tax-advantaged growth that builds wealth efficiently over time.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>These investments allow wealth-building without exposing investors to unnecessary volatility or liquidity issues while debt is still being repaid.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Low-Risk-High-Liquidity-Investments-512x288.jpg\" alt=\"\" class=\"wp-image-105228\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Low-Risk-High-Liquidity-Investments-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Low-Risk-High-Liquidity-Investments-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Low-Risk-High-Liquidity-Investments-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Low-Risk-High-Liquidity-Investments-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><figcaption class=\"wp-element-caption\"><sub><sup>image by Kasuma<\/sup><\/sub><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Avoid High-Risk, Short-Term Investments<\/h3>\n\n\n\n<p>When carrying debt, avoiding risky, speculative investments is crucial. Stock market downturns, volatile assets, and short-term losses can cause major setbacks if capital is needed to cover unexpected debt expenses.<\/p>\n\n\n\n<p>Investments to avoid:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Individual stocks (unless well-researched and diversified).<\/li>\n\n\n\n<li>Cryptocurrency and leveraged ETFs (high volatility, potential for significant losses).<\/li>\n\n\n\n<li>High-fee actively managed funds (fees reduce net returns, making debt repayment a better use of funds).<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Since investing while paying debt already requires careful financial management, riskier investments should be approached cautiously or avoided altogether.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consider Dividend Stocks for Passive Income<\/h3>\n\n\n\n<p>Dividend-paying stocks and <a href=\"https:\/\/adamfayed.com\/it\/investment-options\/what-are-etfs\/do-etfs-pay-dividends\/\">ETF <\/a>offer steady income, which can be used to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reinvest for compounding growth while reducing reliance on additional contributions.<\/li>\n\n\n\n<li>Supplement debt payments by using dividends to cover loan interest.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Examples of strong <a href=\"https:\/\/adamfayed.com\/it\/investment-options\/dividend-stocks\/\">dividend investment<\/a> options include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dividend Aristocrats (large companies with consistent dividend growth).<\/li>\n\n\n\n<li>Broad dividend ETFs (which reduce risk by diversifying among dividend-paying companies).<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>This strategy allows investors to continue earning income from investments while managing debt repayment efficiently.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Dividend-paying-stocks-512x288.jpg\" alt=\"\" class=\"wp-image-105237\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Dividend-paying-stocks-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Dividend-paying-stocks-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Dividend-paying-stocks-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Dividend-paying-stocks-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><figcaption class=\"wp-element-caption\"><sub><sup>image by Elle Hughes<\/sup><\/sub><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Use Dollar-Cost Averaging to Stay Consistent<\/h3>\n\n\n\n<p>Investing while paying off debt requires consistency. <a href=\"https:\/\/en.wikipedia.org\/wiki\/Dollar_cost_averaging\" data-type=\"link\" data-id=\"https:\/\/en.wikipedia.org\/wiki\/Dollar_cost_averaging\" target=\"_blank\" rel=\"noopener\">Dollar-cost averaging (DCA)<\/a> is a strategy where investors invest a fixed amount at regular intervals, regardless of market fluctuations.<\/p>\n\n\n\n<p>Ad esempio:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investing $200 per month into an index fund instead of making one-time lump sum contributions.<\/li>\n\n\n\n<li>This ensures steady investment growth while reducing the impact of market volatility.<\/li>\n<\/ul>\n\n\n\n<p>DCA is ideal for investors managing debt, as it allows consistent investing without overcommitting funds or risking financial instability.<\/p>\n\n\n\n<p>Balancing investing and debt repayment requires a strategic approach that prioritizes high-interest debt first, while still making smart investment choices.<\/p>\n\n\n\n<p>Choosing the right investment approach can help you successfully grow your wealth while paying down debt, creating a more secure financial future.<\/p>\n\n\n\n<p>For more guidance, <a href=\"https:\/\/adamfayed.com\/it\/expat-financial-advisor\/financial-advisor-for-young-adults\/\">debt financial advisors<\/a> specialize in helping individuals create strategies to pay off debt while creating a sound investment portfolio.<\/p>\n\n\n\n<p><strong>Siete afflitti dall'indecisione finanziaria? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/become-adams-client\/\">Diventa mio cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fare il quiz sull'idoneit\u00e0 del cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contatto<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam \u00e8 un autore riconosciuto a livello internazionale in materia finanziaria con oltre 830 milioni di visualizzazioni di risposte su Quora, un libro molto venduto su Amazon e un contributo su Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>How to invest while paying off debt is one of the biggest financial dilemmas individuals face. Should you pay off all your debt first before investing, or should you start investing while still carrying some debt? The right answer depends on interest rates, financial stability, risk tolerance, and long-term goals. If you are looking to [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":103271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11562],"tags":[],"class_list":["post-103266","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-to-guides"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/103266","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/comments?post=103266"}],"version-history":[{"count":2,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/103266\/revisions"}],"predecessor-version":[{"id":105318,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/103266\/revisions\/105318"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media\/103271"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media?parent=103266"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/categories?post=103266"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/tags?post=103266"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}