Things like reducing debt will go a long way towards freeing up some of that every two week paycheck money.

I agree, but I think timing can be used well at the moment. Is it better to reduce debt now by 1000, or at the end of the year by 3000 after earning in a pool on it? If the APR is so much higher than the interest on the debt, it makes it a bit of a no-brainer with some of the capital.

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