That's the point where you walk and chew gum at the same time (invest and/or pay down debt at your discretion).Lastly, remember that personal finance is as much dopamine, cortisol, and serotonin as it is ROI and calculation.

The hormones released when you feel stressed, such as cortisol and adrenaline, put your body into fight or flight mode.

While working at a desk for 8 to 10 hours a day stressing out and raising cortisol levels  then going into hospital for pneumonia was laid off. thx investor driven America I  gained all that weight then was thrown under bus doiing loss mit defaulted  Mortgage paper.I took it upon myself to lose the weight still have an additional 30 to 40 to go, but in a much healthier place in my life.

If we're in this game long-term, slow and steady growth with a lower cortisol level will beat explosive growth with high blood pressure levels every time.