Re: Invest or pay off student loans?
I would not "invest" the cash that i was planning on using for a down payment on a home inside of 3 years.
Sure, go ahead and invest for growth inside your 401(k)and other long-term accounts. However, money that you plan to use inside of 3 years does not need to be invested.
One other thing to consider: I don't ever recall a person saying that paying off their debt was a dumb move. I've met plenty of folks that have invested money instead of paying off debt and felt it was quite dumb. I think it has something to do with the psychology of risk-aversion.
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