Overpay Student Loans or Invest? The SMARTER Move Explained!

Should you Overpay Student Loans or Invest in the stock market? Here's the SMARTER Move Explained! Check out XTB’s Investment Plans today to get your money working https://link-pso.xtb.com/pso/NnsBS #AD (Your capital is at risk. XTB Ltd. is a global fintech, not a bank. Deposits should be made for investment purposes only. T&Cs apply.) ✅ Read our book, Financial Joy: https://geni.us/financialjoy ✅ Join Financial Joy Academy - https://FinancialJoyAcademy.com ✅ FREE 42-week Take Control & Grow Your Money Programme - https://thehumblepenny.com/takecontrol ✅ Visit The Humble Penny Shop - https://shop.thehumblepenny.com/colle... ✅ Book 121 Power Hour Coaching - https://checkout.financialjoyacademy.... ✅ Book 121 Financial Freedom Coaching - https://checkout.financialjoyacademy.... ✅ Gain investing confidence in only 12 days with the 'Super Simple Investing' course - https://thehumblepenny.com/SSI ✅ Other Coaching Offerings: https://thehumblepenny.com/coaching ★★ RESOURCES MENTIONED ★★ Why YOUR FIRST £100k Is The MAGICAL Number For Reaching £1m | Charlie Munger -    • Why YOUR FIRST £100k Is The MAGICAL N...   If You Have £5000 In The Bank DO THESE 5 Things -    • If You Have £5000 In The Bank DO THES...   ★★ SUBSCRIBE TO OUR CHANNEL HERE ★★ https://www.youtube.com/thehumblepenn... ★★ POPULAR VIDEOS ★★ I Wish I Knew THIS About INVESTING MONEY When I Was 20 -    • I Wish I Knew THIS About INVESTING MO...   5 Work-From-Home SIDE HUSTLE IDEAS That Make Money £500 p/m [UK 2024 EDITION] -    • 5 Work-From-Home SIDE HUSTLE IDEAS Th...   9 Reasons Some People ALWAYS MAKE MONEY ONLINE (and others don't) -    • 9 Reasons Some People ALWAYS MAKE MON...   9 BEST Passive Income Ideas for £1000 per month (In 2024) -    • 9 BEST Passive Income Ideas UK (for £...   5 Breakthrough Passive Income Ideas -    • 5 BREAKTHROUGH Passive Income Ideas (...   7 Things No One Tells You About Passive Income -    • 7 THINGS NO ONE TELLS YOU ABOUT PASSI...   21 Passive Income Ideas For A Freedom Lifestyle -    • 21 BEST Passive Income Ideas For A Fr...   14 HIGH PAYING SIDE HUSTLES For 2023 To Start Today With Little Money -    • 14 HIGH PAYING SIDE HUSTLE IDEAS for ...   How To Invest £1000 (9 Best Ways to Invest) -    • HOW TO INVEST £1000 | 9 BEST Ways To ...   ★★ EQUIPMENT USED ★★ Canon EOS M50 Camera - https://amzn.to/2zcz1K0 Canon 5D Mark II Camera - https://amzn.to/2xRF1XD Canon EF 24 - 70mm F2.8L Lens - https://amzn.to/2lFwdRQ Canon EF 50mm F1.4L Lens - https://amzn.to/2lF6Sr9 Manfrotto Tripod - https://amzn.to/2YC3Sto Apple iMac 2019 - https://amzn.to/2lEXNyz Rode Microphone - https://amzn.to/2lFs0O2 ★★ ABOUT US ★★ KEN: I'm married to Mary (the other half of The Humble Penny) and I'm a proud dad. Former CFO by day with over 12 years of experience in the investment business. I'm a Chartered Accountant and hold an MBA from Cambridge University. To explore my creativity, I'm a blogger, YouTuber, speaker, etc. I create from my experiences as a family man and First Generation Immigrant. I have a passion for all things Personal Finance, Business, and Personal Development. I also love Photography, Music, Travel, and Sport. We became Financially Independent at age 34 and our story has been featured on the BBC, ITV, Financial Times, The Sunday Times, etc. ★★ WANNA CONNECT? ★★ Blog - https://thehumblepenny.com Insta -   / thehumblepenny   Pinterest- https://www.pinterest.co.uk/thehumble... Twitter -   / thehumblepenny   Facebook -   / thehumblepenny   ★★ BUILD WEALTH ★★ Visit our online school at Financial Joy Academy for all our wealth building Action Plans: https://www.financialjoyacademy.com/ Massive thanks for watching and following our channel :) ♥ 0:00 - Intro 1:10 - Structure of Today's Video 1:51 - Part 1: Context and Framing The Problem 3:06 - Part 2: Overpay Student Loan vs. Invest? 8:08 - Worked Example 11:28 - Part 3: How to Figure Out What Salary Overpaying Makes Sense For You 13:24 - Part 4: Research-Backed Insights 14:45 - Part 5: Is Taking Out a Student Loan Still Worth It? 16:44 - Part 6: Other Considerations 18:00 - Part 7: Conclusion Best, Ken and Mary #investing #studentloans #financialfreedom ★★ WHAT THIS VIDEO IS ABOUT★★ Overpay Student Loans or Invest? The SMARTER Move Explained! This video may contain affiliate links and we may get paid a small commission if you click on a link.