Having grown up in Africa, I heard this phrase uttered all the time: "Doni Doni" It means "Little by little". Most cultures have a saying that means something to this effect, and often stories to support it (for example, the tortoise and the hare). Presently I am facing some tough financial decisions. I have decided not to debt anymore, and I am rapidly increasing my personal education about both money management and investing, but all this makes me want to change now and faster than my modest income as a pizza delivery guy allows. :P It is tough, however not to rush into the market.

I've been eyeing several stocks for quite some time and would like to build some stock positions, but at the same time, I have over $40,000 in debt that needs dealing with as well, so I've got some choices to make on priorities. Do I pay down debt now and invest later, or do I take advantage of current trends and growing stocks and jump into the market at the same time as I pay down my debt.