Focusing solely on debt relief for a few months will allow you to save money in the future. If you already have a good bit of money put away, paying off debt can be your number one priority, at least for now. But also, if you know that the money you earn from interest on investments will equal more than what your debts are currently costing you, then investing is a good idea. Ideally, you want to get to a place where you can do a little of both: save and pay off debt.