Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

The Best Investment Most People Ignore

4 Oct 2025 · 1 min

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1:18

Ndubuisi 'Andy' Egwim advises that before starting to invest, people should eliminate high-interest debt (illustrated by a one-to-one coaching anecdote). He cites a client with credit card interest of 22.5% and contrasts that with market returns (S&P 500 returned 25% last year, long-run averages roughly 9–10%), arguing that paying off high-interest debt (even ~15%) is usually a better "investment" than starting to invest if expected returns cannot reliably exceed the debt rate.

Questions this video answers

22.5%.

25%.

Around 9 to 10% per annum.

15% (the speaker said if debt is 15% you should consider paying it off before investing).

Chapters

Um, but this is one key area.
Most people miss out is eliminate high interest debt. So I said to someone came to me, they wanted.
To start investing.
Obviously they were my one to one sessions and he wanted to start.
Investing.
But he had a.
Credit card debt.
Of and they were paying an interest.
Of 22.5%. I thought that's not good at all. 22.5%.
And if.
You invest, how much do.
You think you're going to make?
It thought well, if you went with.
The average market.
Returns the, The S&P.
500 returned.
25% last year.
But some years it does less than that. Some average returns over the last maybe.
30, 40 years.
Maybe around 9.
To 10%.
I said to him.
The best investment.
You can make.
Now is to pay off that credit card.
Basically because.
The shop banker, if you.
Pay off that credit card, you're not going to be sending.
22.5%.
Of your money to someone.
That's part.
Of why I don't have any cars.
So basically, if.
You have a high.
Interest debt, even if it's a debt that is 15%, okay.
And your investment is not going to return above 15% per annum, you can't be sure you're not buying a bond.
That you can guarantee.
In that case, you want to be thinking about paying off that high interest.
Debt first.
Before you start.
Investing, okay?