We’re emotional beings—some more than others! If we don’t see quick results, we quit and move on to something else. That’s why we believe you should pay off all debt except the house using the debt snowball method before investing. Because honestly, until you stop your income from flying out the door to payments, you can’t invest like you need to anyway.
It’s obviously still important to start investing as soon as possible. The average time it takes people to get through Baby Step 2 is 18 months to two years. But you’ve got to be gazelle intense and focus all your efforts on becoming debt-free. And remember, don’t get caught up in the numbers game. Focus on one task at a time.