Best to clear what’s left, the tool below may help...
Your horizon, your income, your buffer — they're all in the right place. The only thing standing between you and your first real investment is the debt you're already clearing.
You're already doing the right thing. I wish I knew what I know now when it came to overdrafts and credit cards of my own. Paying more than the minimum amount is the single most important habit in clearing manageable debt, and most people never get there. You have.
But "more than the minimum" covers a huge range. It can mean clearing the balance in a matter of weeks or years. Most people in your position don't know which one they're on track for — they're paying what feels comfortable, not what's best for them.
Why that matters? The day your debt clears is the day your investing horizon starts. The quicker you can pay off your high-interest debt, the more time your money has to work for you and your loved ones.
Find your debt-free date
I've built a calculator that helps you find the date your debt clears.
It shows you:
The date you're debt-free at your current monthly payment
The date you're debt-free with just a little more (a little extra now can shave years off!)
The money you save by doing so
When the debt clears, the next step is the First Step Investor — a two-week course that takes you from "I know I should invest" to a completed Personal Investment Plan and your first real investment. I’m building it module-by-module, and waitlist members get first access at special launch pricing.
One last thing, your answer to Q5 (What’s been stopping you?):