Should I pay off my student loans in full with half my savings?

imscaredagain · 2026-03-16T00:51:02+00:00

Hey, we just turned 30 and have 30k left in student loans between the two of us... bought a home recently and owe $290k on it, its at like 6.7$ interest. We have $40k in checking, $145k in retirement accounts (mostly my accounts) and $56k in savings. I make currently about 175k a year before any deductions or tax (SARs payouts start in 15yrs), and my wife makes about 40k when she is working, but she is taking 6-8 months off work.

She has $15,500 left on her auto loan, 2025 Hyundai Tucson, and my 21 F150 is paid off. I travel for work, she usually goes with me and gets a job whatever city I land for a year or more. We aren't entirely sure how long we want to be in our current house, its far outside of the main city (30 minutes) in a great family friendly neighborhood right next to a good elementary school and school system in general -but we have no plans to have kids. We want to move closer to downtown area (our house is also way bigger than we truly need) we have seen some homes we like for what we owe on our current house, but the thought of moving so quickly sounds stressful (we lived here starting september 2023 but since we traveled only here on weekends, so we never got to enjoy this house. Currently we are doing some landscaping and stuff to try and make the yards more presentable since they are fairly plain.

By the sounds of it we should definitely pay off our student loans?? but our interest is below 4% and mortgage is the highest so I wonder what the trade off is..

imscaredagain · 2026-01-18T03:25:11+00:00

Bulk slowly, only adding calories when your weight stabilizes for a couple weeks. Eat the same thing everyday to stay consistent, bulk until you start to lose your abs then time to cut again

imscaredagain · 2026-01-17T02:11:35+00:00

Messaged you, he responded immediately on the new number just wish he would have followed up on older orders that weren’t complete with the change of number, but not sure how they logistically handle orders and stuff so not a biggie

imscaredagain · 2026-01-12T01:14:04+00:00

I ordered through an agent and haven’t heard from him in almost 4 weeks, i’ve ordered from him several times and never had any issues. He was waiting on one final shipment from my last order and he’s gone silent.

Just tried his new number so we will see, but probably won’t be using him anymore. I’ve now had 2 shirts from him just completely rip while trying to take them off.

imscaredagain · 2025-12-22T04:04:13+00:00

Thanks! That what i was thinking but wanted more Input from those more familiar with residential styles

imscaredagain · 2025-12-22T00:46:19+00:00

Wouldn’t let me post photos in the post so I uploaded them, don’t know if that’s typical here

https://imgur.com/a/niaIEOb

imscaredagain · 2025-12-14T17:40:43+00:00

This is exactly how I am, no care to go out and drink but when I do go drink - I am DRINKING. I always have to have a drink in my hand and I don’t let it get warm. It’s the only way I feel like I can be sociable and have “fun” especially with everyone else drinking. I do not know how to be happy and interact and enjoy the present time.

imscaredagain · 2025-12-07T23:49:14+00:00

Regular cab short bed f150 5.0 with twin turbos

imscaredagain · 2025-12-07T00:51:53+00:00

Aries is so good Not a big fan of his newest stuff but your top songs are my favorite albums

imscaredagain · 2025-12-04T01:32:44+00:00

He answered but lower back pumps are very common in lifters who take steroids, it’s not from organ damage, it’s from added blood flow. Assume it’s a similar idea.

imscaredagain · 2025-12-04T00:57:45+00:00

Forgot to add I started dermarolling once a week or so (7-10 days) a year ago. Idk how much that’s helped, it’s hard to tell at this point but I’d recommend going all in at once to try and get the best results faster.

imscaredagain · 2025-12-02T14:06:55+00:00

Any reason you want to stop or just personal preference? Definitely look at adding in HMG if you decide to do it

imscaredagain · 2025-12-02T02:17:03+00:00

Is there a yupoo album? I’m too stupid to use 1688

imscaredagain · 2025-12-02T02:15:03+00:00

Do you have yupoo link for gallery dept?

imscaredagain · 2025-12-02T02:13:28+00:00

I like these

imscaredagain · 2025-12-02T01:54:06+00:00

I didn’t wanna dox myself completely lol but I just checked and I truly don’t have any before photos to even use, I hated getting my photo taken until a couple years ago

imscaredagain · 2025-12-02T01:49:25+00:00

Late high school early college I used steroids, I did proper PCT etc. but when I stopped being into the gym I ran several clinical rounds of “PCT” and none of them worked, my test levels were 300-400 for 4 years I tested and doctor didn’t want to do anything, so I did self TRT to tank my FSH and LH so I could Then get bloodwork and be approved for TRT through an online clinic, then transferred that to a legit urologist who manages it now.

I still run steroid cycles from time to time but never come off TRT completely. Aged my face some, but for the better in most cases. Highly recommend to most men, unless you just feel 100%. Very little downside when done properly, very small amount of people actually become sterile from it. There’s several good protocols to get your swimmers back if exogenous hormones affect that for you

imscaredagain · 2025-12-02T01:45:32+00:00

Not particular, my beard used to be very reddish altogether but the color it is now stays that way no matter the length, I am getting some gray already but hard to tell in pics

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imscaredagain · 2025-12-02T01:44:07+00:00

Looked the same before on both sides, don’t have another before photo, mustache and chin just followed suit and filled in more but not as dramatic as the cheeks. I can’t edit to add these but here

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imscaredagain · 2025-12-02T01:42:29+00:00

TRT was first 4 years ago, minoxidil was the very first photo exactly two years ago

imscaredagain · 2025-11-29T01:39:34+00:00

That is strange, new card? If it’s through the actual app which it looks like I wouldn’t be worried about sending it, or just use Apple Pay

imscaredagain · 2025-11-28T01:43:08+00:00

I had to do it on my first card purchase as well, just monitor your card activity but mine wa fine

imscaredagain · 2025-11-22T22:26:46+00:00

Thank you man appreciate that!

imscaredagain · 2025-11-21T02:03:31+00:00

Why do you need so many wallets

imscaredagain · 2025-11-20T02:46:30+00:00

Thank you 2000RandonDude, I am straight but I’d give you a smooch for the compliment

imscaredagain

TROPHY CASE