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Plain English Finance
The Plain English Finance podcast is hosted by Tré Bynoe CFP® CIM®, a financial planner with TCU Wealth Management and Aviso Wealth.
While Tré specializes in working with families with more complicated finances, typically involving corporations and trusts, this podcast is for anyone wanting to learn how to make high-quality decisions based on evidence, to give themselves the highest likelihood of financial success.
You should always consult with your financial, legal, and tax advisors before making changes.
This podcast is provided as a general source of information and should not be considered personal investment advice or solicitation to buy or sell any securities.
The views expressed are those of the individual and are not necessarily those of Aviso Financial Inc.
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
Plain English Finance
Ep. 11 | Should You Invest or Pay Down Debt? Here's What the Numbers Say
If you’re torn between paying off your mortgage or investing, you’re not alone, and there’s a lot of bad advice out there. This episode breaks it down with facts, not feelings.
Tré uses real planning software to run side-by-side comparisons and shows why—mathematically—investing often comes out ahead. But psychology, discipline, and risk tolerance matter just as much. Whether you're holding low-interest debt or still paying off your credit cards, this episode will help you choose your next move confidently.
You’ll learn:
- Why credit card debt and investing don’t mix—ever
- How a small change today can mean hundreds of thousands by retirement
- Why risk tolerance and financial literacy are key to your strategy
- When it’s smarter to pay off your mortgage (yes, sometimes it is)
- How to blend both strategies if you're unsure
- What advisors often get wrong, and how to push back
Make the right call for your future. Subscribe, review, or share the episode today.
