Joshua & Ryan discuss debt, credit scores, credit cards, investments, and much more, and they answer the following questions: Should you keep credit cards or cancel them after you pay them off? Should you invest money while you're paying off debt or put all the money toward paying off the debt? Should you use federal income-based repayment programs if you have student-loan debt? How do you form a financial team with your partner who thinks some debt is okay? Detailed show notes: minimalists.com/podcast