Elizabeth Ayoola writes for NerdWallet. Email: eayoola@nerdwallet.com. Sean Pyles writes for NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. Tiffany Curtis writes for NerdWallet. Email: tcurtis@nerdwallet.com. The article Smart Money Podcast: When It’s Time to Focus on Investing Instead of Paying Off Debt originally appeared on NerdWallet.