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July 31, 2026
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I'd say to follow the typical strategy of maintaining a 6 month+ reserve, which may or may not be the 300k that you currently have, and then after that I'd pay the minimal amount of money on my loans, live my life, and then whatever is left over, throw half onto the loan and half into an equities or retirement account.
With a low interest rate of 3-4% it's not that terrible. That's less than a mortgage now and roughly what you'd get on a car, so that's not really a bad interest rate to worry about.
Im glad that 200K+ Tution taught you well.....
I'm guessing that response wasn't targeted towards me?
Also, in my MBA curriculum there isn't a single course on personal finance... so.... yeah...
Yeah meant to reply to OP , but I agree with you about the personal finance. it is funny how MBA grads can preform an LBO using optimal debt/equity and tax strategies but cant figure out best strategy to pay off a loan.
I really think that this is something that should even be taught in something like junior or senior year of high school and be a mandatory course. It could be called "Real life, time to grow up: 101" and have things like personal finance, how to act in a professional setting, etc.
Thanks to those who PMed me!
Why would you delete the original question?
When people do this it just makes the forum less useful for those reading after you get your "answer".
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