It's not always that simple. I was deep in debt for most of my 20s & 30s, and the interest rate on that debt was higher than I'd have gotten by socking it away.

It's not always that simple. I was deep in debt for most of my 20s & 30s, and the interest rate on that debt was higher than I'd have gotten by socking it away. While somewhat avoidable in retrospect, I don't believe my story is uncommon.