This week we tackle another listener question from our ASKPB queue:

Hey guys! The question I have is if I should stay in a job that I don’t like until I pay off all my debt. I’m in my late 20’s, and I’ll make 70k this year and I have 28k in credit card debt. The credit cards have been cut, dipped in lighter fluid, and thrown into a fire pit. I’ve been using only cash and started budgeting.

The job that I currently work at pays well, but I don’t enjoy the work or people. I’ve been with this company for a couple years, and only stayed with them because I was told there would be future opportunities in my field. As of right now, I don’t see that happening in the near future, and feel the longer I stay, the further away I’ll get from doing the work I actually want to do. I don’t know if I should go ahead and leave or stay until I’m debt free. Another thing is that my job provides housing and transportation, additional cost that I would have if I switch jobs.

Either way I’m going to leave, just don’t know if I should leave sooner rather than later.

Any advice would be great. Thanks!

On the second half of the show, we’re joined by Matt Schulz from partners with banks and issuers to provide consumers a resource to search and apply for credit card offers displayed side by side so you can easily compare key factors such as interest rates and annual fees. Matt is a financial literacy advocate and credit card subject matter expert with a passion for helping people make smart decisions about their money. He has appeared on the CBS Evening News, the Today Show, CNBC-TV and in articles for the Wall Street Journal, New York Times, and The Washington Post. We discussed how Millennials can research and responsibly use credit cards, the pros and cons of 0% balance transfers for debt management, how to repair or build positive credit history, and much more!


Special thanks to our sponsor, FreshBooks. To get a free 30-day trial of their super-easy-to-use cloud accounting software, visit and enter “paychecks and balances” in the How Did You Hear About Us section.


Matt Schulz


New blog post: When should I use a 401k loan to pay my bills and debt?

Check out RockStar Finance’s Directory of Personal Finance Blogs (and Resources) from @BudgetsAreSexy. This is a great resource for all things personal finance and, humble brag, we made the list too! You can show support to us and these other awesome personal finance blogs by clicking here.

We’re on Soundcloud!

Check out our PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially.

Read Marcus’ book on how he buried and dug his way out of over $30,000 in debt, Debt Free Or Die Trying, on Amazon.

Looking for more career development and debt freedom tips? Join our email list at for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps.

LIKE us on or follow us on Twitter @PayBalances and Instagram at the same name!

Get Our Newsletter!

Join our free email community to get our newsletter with actionable tips and interesting reads to help you navigate your finances and career.

No Spam. Zone. Unsubscribe at any time. Powered by ConvertKit