Paying off debt versus investing creates an impossible math problem. Your credit card charges 20%. Your investments might return 5%. Logic says dump everything into debt. But what if that guaranteed return is actually costing you more than money?

Jessica Moorhouse breaks down why focusing only on debt repayment builds the wrong muscle. She explains how people become experts at paying off debt but stay novices at investing, often cycling back into debt because that's all they know how to do. Shane and Jessica explore the small debt threshold (under $5,000, payable within a year) where aggressive payoff makes sense, versus larger debts where balance matters more. Jessica shares her personal timeline: five years of consistent investing before compound interest showed real momentum.

Discover why debt-free doesn't mean financially secure. Learn how splitting focus between $300 debt payments and $100 monthly TFSA contributions builds both muscles simultaneously. Understand why patience with investing pays off when most people quit too early.

GUEST: Jessica Moorhouse | jessicamoorhouse.com

Originally aired on 2026-01-12

Paying off debt versus investing creates an impossible math problem. Your credit card charges 20%. Your investments might return 5%. Logic says dump everything into debt. But what if that guaranteed return is actually costing you more than money?
Jessica Moorhouse breaks down why focusing only on debt repayment builds the wrong muscle. She explains how people become experts at paying off debt but stay novices at investing, often cycling back into debt because that's all they know how to do. Shane and Jessica explore the small debt threshold (under $5,000, payable within a year) where aggressive payoff makes sense, versus larger debts where balance matters more. Jessica shares her personal timeline: five years of consistent investing before compound interest showed real momentum.
Discover why debt-free doesn't mean financially secure. Learn how splitting focus between $300 debt payments and $100 monthly TFSA contributions builds both muscles simultaneously. Understand why patience with investing pays off when most people quit too early.
GUEST: Jessica Moorhouse |<a href="http://jessicamoorhouse.com"> jessicamoorhouse.com</a>
Originally aired on&nbsp;2026-01-12

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.