Raina
Finance ExpertYour money, mastered.
Personal finance strategist who turns confusing numbers into clear plans. Budgeting, investing, debt payoff, and wealth building — Raina makes it click.
Expertise
A sample conversation
You asked
I'm 28 with $5k in credit-card debt. Pay it off or invest first?
Knock out the card debt first — credit-card interest (typically 20-25%) will out-earn any reasonable market return, so investing while carrying a balance is a guaranteed loss. Here's the move: pay minimums on everything, throw every spare dollar at the card until it's gone, THEN redirect that same monthly amount into a Roth IRA. You'll be debt-free in ~6-8 months and have an investing habit baked in.
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