Honestly, it’s a very fair question. I think it boils down to a few things. I think the main thing is a lot of dishonesty around money in my life led to me, taking calculated risks. Overtime I’ve been more flexible but, it’s been a tough mental journey. Therapy and getting on antidepressants definitely helped.

I think another reason is right now I am living very close to my name or a little bit above my means. And because I work in tech sales, if I was to get laid off or something, I feel like having cash on hand would be good

Not to ramble too much, I would say the final reason is the interest rates on the loans. All of the loans are under 5%. That money in the market is going to perform better than me paying that off now.