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Maintain Certain Debts

In the past 50 years, an investment in the nation's 500 largest companies grew at an average rate of 7.8 percent. Of course, there is no guarantee what future market returns will be, but the long-term historical trend is considered a solid guide. If the interest rate on your student loan or mortgage loan is significantly lower than that, you'll likely have more cash in the long run by investing in the stock market rather than paying your loan off early.

© 2008 Jupiterimages Corporation
From the March 2008 issue of O, The Oprah Magazine
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