Should I pay down debt or save?

The answer to that question will vary depending on who you ask — and chances are, the person answering it will have strong opinions.

But the trouble I’ve found with a lot of the advice is, often, it errs on the side of too simplistic, too all or nothing. And while I’m not a financial expert, that has never felt right to me.

When it comes to paying down debt or saving, I don’t think it needs to be all or nothing.

Here’s a look at why and how we’re doing both.