Retirement Dilemma: Should You Invest In Your 401(k) If You Have Debt?

BREAKING: Futures Pare Losses, Turn Mixed; Oracle DivesSaving for retirement while paying down debt is a challenging feat for many Americans. If you don't contribute to your 401(k), you put your retirement in jeopardy. And if you don't pare down debt, you're stuck with bills that never go away. Taking an all-or-nothing approach isn't an option. You just can't plow all your free cash in a 401(k)…Get instant access to exclusive stock lists, expert market analysis and powerful tools with 2 months of IBD Digital for only $20!Get market updates, educational videos, webinars, and stock analysis.Learn how you can make more money with IBD's investing tools, top-performing stock lists, and educational content.Information in Investor’s Business Daily is for informational and educational purposes only and should not be construed as an offer, recommendation, solicitation, or rating to buy or sell securities. The information has been obtained from sources we believe to be reliable, but we make no guarantee as to its accuracy, timeliness, or suitability, including with respect to information that appears in closed captioning. Historical investment performances are no indication or guarantee of future success or performance. Authors/presenters may own the stocks they discuss. We make no representations or warranties regarding the advisability of investing in any particular securities or utilizing any specific investment strategies. Information is subject to change without notice. For information on use of our services, please see our Terms of Use.*Real-time prices by Nasdaq Last Sale. Real-time quote and/or trade prices are not sourced from all markets. Ownership data provided by LSEG and Estimate data provided by FactSet.IBD, IBD Digital, IBD Live, IBD Weekly, Investor's Business Daily, Leaderboard, MarketDiem, MarketSurge and other marks are trademarks owned by Investor's Business Daily, LLC.©2025 Investor’s Business Daily, LLC.

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