Working hard and saving money are important, but understanding how to invest, manage debt, and build wealth can make a real difference in your financial future. In this episode of Marci Talks Money (and Life), I talk with Isis Perez, founder of CalcFactor.com, about her personal journey from debt and living paycheck to paycheck to learning how to make money work for her. Isis shares how she tackled her credit card debt, why she wishes she had started investing earlier, and how the power of compounding can help even small contributions grow over time. We also discuss the intimidation many people feel around investing, the value of starting small, and why taking advantage of an employer’s retirement plan match can matter. Isis created CalcFactor to make financial decisions easier to understand through free, interactive calculators. Explore the Debt Avalanche & Snowball Planner, Pay Off Debt vs. Invest Calculator, Automatic Millionaire Calculator, Wealth Builder and other calculators to compare scenarios and see how your choices may affect your financial future. Visit CalcFactor.com to try the tools for yourself. https://calcfactor.com/