re: Extra $10,000: finish paying off truck or put towards down payment on a house?(Updated)

Theres two things going on here. The straight math is you invest the money in a index fund and you will come out ahead end of story. If you can't sleep at night because of your debt levels then you need to put toward the truck or house for your emotional assurance. I personally don't like financing over 3% just because your change of coming out ahead from investing gets less appealing (not impossible though). Assuming an average 7% investment return and paying 3% in interest isn't worth the margin after considering you're paying taxes on the 7% gains eventually. It all comes down to your feelings towards debt. Good luck on the decision.