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@lyllie I agree. I will likely hang on to my debt for a while as that rate is so low but yes I agree. I do have an FA who is helping me balance this. Luckily, with my income we do have the ability eventually to max Roth IRAs for both and max 401ks but you’re right either way.

@lyllie No cash flow problems as I work in medicine so pretty secure. I like that idea. At some point I’ll have to pay it off as having debt is a bit psychological for me. It makes me extremely anxious no matter the balance or rate.

@%D8%A7%D9%84%D8%B9%D8%B5%D8%B1%D9%8A%D8%A9 Yes. My base is 110k and I can make an extra 40-50k depending on production plus my wife makes 60k. We are on a budget and generally do fine but we do travel a bit as I lost 2-3 years when I was in grad school. Also, just had to rebuild a house from...

My wife and I have around 200k of debt. Here’s the breakdown: her car: 16k at 5.35% $350 monthly my loans: 120k at 2.8% $1550 a month her private loans: 33k total with various rates (monthly is $200) $9,278 at 4.66% $9,897 at 6.8% $8,035 at 3.86% $3,831 at 3.4% $1,103 at 3.86% $1,091 at...