🎧 Should You Pay Off Debts or Invest in Real Estate?
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Is it smarter to pay off your credit cards and loans—or to invest that money into real estate? In this episode, Wayne breaks down one of the biggest debates in personal finance and investing. Drawing from real numbers, lived experience, and a listener question about debt and the Smith Maneuver, he explores how to think about risk, ROI, and long-term strategy in uncertain economic times.

🧠 What You'll Learn in This Episode

• Why paying off debt gives you guaranteed returns (and how to calculate them)

• The investment case for choosing real estate over debt elimination

• How to handle resistance from skeptical partners or family

• What to do when you're the only one who believes in your plan

• Wayne’s experience running the math on credit cards vs. real estate returns

• How confidence and conviction help you “sell” your investing vision

• Why real estate offers leveraged, compounding returns if done right

• The truth about risk tolerance—and when paying debt is the better path

👥 About Your Hosts
Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies.
New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice.

💡 Resources & Contact
Learn about our Mentorship Program: www.reimasters.ca
Bookkeeping & Tax help: www.finngo.com/rei
Submit a question: info@reimorningshow.com

Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test
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🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
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🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
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📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
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💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
📧 keaton@kbmortgages.ca
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🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268.