The best replacement for paying off debt is saving.

Лучшие альтернативы к paying off debt можно упорядочить следующим образом:
★★★★★  saving
★★★★  investing
★  saving money
★  saving for retirement
★  bankruptcy
★  settling
★  savings
  settlement
  saving for a house
  putting money in savings
  retirement savings
  building savings
  save
  down payment
  emergency fund
  starting emergency fund
  tithing

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paying off debt
saving
investing