Should I take the job offer or pay down my debt first?
DECISION · August 2026
DECIDE
Take the job offer. Income growth solves debt; debt payoff without income growth solves nothing.
TRUTH
This was never a real either/or. The salary increase compresses your payoff timeline more than any budgeting discipline can. Framing it as a choice is the hesitation talking.
NOW
Accept the offer, then direct the entire salary delta at your highest-interest balance until it is gone.
WHY THIS VERDICT
Most tools would validate both options and hand the decision back to you. SAVIK's decision blade exists to collapse false choices, not catalog them.