re: Financial Advice (Investment vs Debt) - My Situation

Good deal. I'm in the age group as you. People have different tolerances for things so you have to do what let's you sleep at night.

For example, I'm one of those people who doesn't mind debt and am investing for the long term, so all I care about is rates. If I have 100k in debt at 2% interest for 30 years, and I'm sitting on 100k making 5%, I'm not paying off that debt, I'm just letting it ride.

A lot of people aren't cool with that. In your case, 80k making nothing would make me feel worse than making that money work for me. You're wired a little different. However, I think using the 80k on the 6% student debt is a no brainier for peace of mind.

All the 3% debt and lower wouldn't make me think twice to let ride, but you can do otherwise. Let your mortgage ride, it's fine. BTW, how cheap did you get it? $2,000 a month on a 15 at 250k a year? frick I'm jealous.

You really need to get that's 80k working for you, at least a part of it IMO.

Just remember that your cars are depreciating assets along with the interest. Leaving emotions aside they suck, but like I said, we all have our thing.