Pay it down first.

Seems reasonable. I mean, if you have a mountain of debt stacked up, the tendency is to focus on paying it off first before shifting your focus to saving your money.

But is this strategy as sound as it seems?

Maybe not.

On today’s Finance Friday episode, Harv Eker states a compelling case for why focusing on paying down debt almost never works, and why replacing a debt habit with a new money-managing habit is the key to financial independence.

And if you do it right, you can even get yourself some FREE VACATIONS.

You can find Harv’s book, Secrets of the Millionaire Mind, at You can find today’s full talk here.

Today’s QOD Show Sponsor: The Ridge Wallet

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Happy Friday!