In this video, I break down deciding between paying debt or investing when you have extra cash, using insights from experts like Dave Ramsey and Robert Kiyosaki. It all comes down to three things: your return on investment, your emotions around money, and your cash flow. Personal finance isn’t one-size-fits-all, so I’ll help you figure out the best choice for your situation. 📅 Join Our 3-Day Online Financial Freedom 101 Event: https://realprosperity.isrefer.com/go/scholarship/em/ 📗 Download the Financial Freedom Formula eBook: https://realprosperity.isrefer.com/go/FFF/em/ 💰 Money Date Checklist Template: https://realprosperity.isrefer.com/go/mdc/em/ 💌 Prosperity Express Newsletter for Building Wealth: https://realprosperity.isrefer.com/go/Prosperity_Express/em/ —----------------------- 🟣 ABOUT PENELOPE JANE SMITH: Hi! I’m Penelope Jane Smith, and I run a coaching and training company called Real Prosperity, Inc. that specializes in helping women entrepreneurs to become financially free in 5 years or less. I’ve been teaching for 20+ years, I’ve shared the stage with other movers and shakers like Mark Victor Hansen, T. Harv Eker, and Ali Brown, and I created my signature Financial Freedom 101 Online 3-Day Event to provide entrepreneurs with the money skills, tools, and systems to become financially free forever. Many of my clients have built businesses around their passions as speakers, authors, and coaches… they’ve gotten good at MAKING money but want to get better at GROWING money. If you want to transform your relationship with money and live a life of abundance, freedom and prosperity, subscribe to the channel and let's embark on a journey to financial freedom together. ----------------------- 🔗 CONNECT WITH US ⦿ Visit our Website: https://realprosperity.isrefer.com/go/RPI/em/ ⦿ Facebook: https://www.facebook.com/penelopejanesmithbusinesspage/ ⦿ LinkedIn: https://www.linkedin.com/in/penelopejanesmith/ ⦿ Instagram: https://www.instagram.com/penelopejanesmith360/ ⦿ Contact Us: support@realprosperityinc.com #penelopejanesmith #realprosperity #financialfreedom #financialeducation #personalfinance