Paying off debt versus investing creates an impossible math problem. Your credit card charges 20%. Your investments might return 5%. Logic says dump everything into debt. But what if that guaranteed return is actually costing you more than money?

Jessica Moorhouse breaks down why focusing only on debt repayment builds the wrong muscle. She explains how people become experts at paying off debt but stay novices at investing, often cycling back into debt because that’s all they know how to do. Shane and Jessica explore the small debt threshold (under $5,000, payable within a year) where aggressive payoff makes sense, versus larger debts where balance matters more. Jessica shares her personal timeline: five years of consistent investing before compound interest showed real momentum.

Discover why debt-free doesn’t mean financially secure. Learn how splitting focus between $300 debt payments and $100 monthly TFSA contributions builds both muscles simultaneously. Understand why patience with investing pays off when most people quit too early.

GUEST: Jessica Moorhouse | jessicamoorhouse.com

Originally aired on2026-01-12