It is financially prudent for Tori to invest $2,000 in a certification that is projected to increase her income by at least $20,000 annually, even while she is in Baby Step 2 (debt payoff). The significant return on investment justifies the expense, especially since she can save the funds within two months through a second job.
Impact: High. This decision highlights a strategic exception to the 'debt-first' rule, prioritizing income growth when the investment is demonstrably high-yield and relatively low-risk.
In the source video, this keypoint occurs from 01:35:39 to 01:37:47.
Sources in support: Rachel Cruze (Host), Andrew (Caller)

