If I were to plan out a way to pay off debt, this would help immensely since I am in so much debt, it's crazy. I have been trying to do side hustles to pay off this debt, but I am not getting enough money fast enough to do this in a timely manner. But after I pay off debt, or even during this phase, I could be investing money into safe stock, or a 401k for retirement, which would help me when I can no longer work, or earn money.