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If you are like many people, you may be torn between paying off debt and saving for retirement. Both are important, but how do you decide which one to address first with the money you have at your disposal. There is not one right answer for everyone, but here are a few things to consider:

1. Rate of investment return vs. interest rate on debt – Generally speaking, if you can earn a higher after-tax rate of return investing your funds than you are paying in after-tax interest on...

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