Starting a family can be one of life’s most rewarding experiences, but it also comes with new responsibilities and expenses. Beyond diapers, childcare, and education, one of the most valuable things you can give your children is your time.

Homeownership is often treated as a milestone of success—a symbol that you’ve “made it.” Social pressure, family expectations, or Instagram-worthy décor can make it feel like buying is always the right move. But the truth is, there isn’t a one-size-fits-all answer. The right choice depends on your financial goals, lifestyle, and personal priorities.

Debt can feel overwhelming, but it doesn’t have to control your life. How you approach paying down debt can influence not just your financial health, but your mindset and long-term habits. The key is understanding your options, your goals, and how each approach aligns with your values.

At Abundance Pathways, we don’t offer loans or lending, and we won’t tell you which strategy is “best” for your situation. What we do focus on is helping you build the mindset, awareness, and discipline to manage debt in a way that supports your long-term goals and your peace of mind.