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Joseph is in Chicago. Joseph, what's going on?

Hey, guys. Thanks for taking my call. I just have a question on my student loans. So I have about

58,000 in student loans. It's got a really low interest rate, 2.6%. And I'm set to pay it off

by August 2026. My monthly payment is about 1900. I also have a home loan of $380,000 at 6%. And I'm

just wondering if I should just bite the bullet and pay off the rest of my student loans. I've already

paid off about 100.

So I have about $100,000 in cash.

Also, that's $160, 401k.

But I'm just wondering if I should do that or keep it in the market, earning 5, 7%. Half of it's in a high interest savings, so I'm earning 5% there.

It's just that low interest

rates really. I would pay them off before the day is over. Really? And here's why I tell you that.

That's not just me making up advice because that's exactly what I did. I cannot tell you.

Dude, this the sole tax on your amygdala is worth more than the 2.1% extra money you're earning in this little weird snapshot in history in a high-yield savings account over the interest rate you have on these loans.

Every time a stock ticker rolls by that has something about forgiveness or for this, you look up,

your heart rate increases, your body fills up with cortisol and adrenaline, because that involves you.

I literally did not look up other than to hear from hurting people about the Biden forgiveness plan because I paid him off.

Just didn't, I mean, just didn't care.

And that's worth any percentage of money that I could have earned in a high yield savings account, period.

Yeah, I think that's, I mean, that's kind of the path up I'm leaning towards.

It's just, uh, by the end of the day, I paid off.

All right. I think that's probably the best advice.

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