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    You’re in your 30s or 40s, you’ve still got debt, and you keep hearing you “should be investing by now.” So what do you do—pay it off first or start investing anyway? This episode is your **Investing Reboot** for the messy middle. In week four of the **Summer Money Reboot Challenge**, I’m sharing **10 moves** to reboot your investing strategy when you’re *not* debt-free yet, but you’re ready to stop avoiding your 401(k, IRAs, and brokerage accounts. We’ll talk about: - When high-interest credit card debt should come **before** investing—and when it’s safe to do both - How to set your **risk tolerance** now that you’re not 24 anymore - Why the old “invest your age in bonds” rule is outdated and what to do instead (120/128 rule) - What to check inside your **target-date funds** and how fees quietly eat your returns - The simple fee and contribution tweaks that can unlock six figures over the long term - HSAs, SEP IRAs, and Solo 401(k)s for solopreneurs and side hustlers - When opening a **taxable brokerage account** makes sense beyond your retirement accounts - How to use a small “spicy 5%” to learn stock trading without risking your whole future You’ll also hear: - How a target-date fund helped put me on track for millionaire status by 40 - What changed when I looked up and realized my portfolio was still **100% stocks** as a mom and business owner - The year I moved **$50K** into my solo 401(k) and how that one move is still carrying me through slower seasons Note: I’m not your investment advisor. I’m a finance journalist sharing education, not individualized advice. Please talk to a qualified pro before making changes to your portfolio. GET THE FREE INVESTING REBOOT WORKBOOK: https://mandimoney.myflodesk.com/hvbru7gmkx Subscribe to The Brown Ambition Podcast https://www.youtube.com/@brownambitionpodcast/videos Keep the party going with a visit to https://brownambitionpodcast.com FOLLOW THE BROWN AMBITION PODCAST Instagram: https://www.instagram.com/brownambitionpodcast Linkedin: https://www.linkedin.com/in/brown-ambition-759572334/ Facebook: https://www.facebook.com/brownambition/ TikTok: https://www.tiktok.com/@brownambition FOLLOW MANDI Instagram: https://www.instagram.com/mandimoney Threads: https://www.threads.net/@mandimoney TikTok: https://www.tiktok.com/@maaandimoney
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