>>23882041I'm risk averse and hate debt so I pay debt off as quickly as possible. This is not necessarily a good plan though, and in general, if something holds onto your money at a lower rate than inflation, it's good to milk it, e.g. car loans at low interest rates. I'm about to buy a car and with current rates, can put very little money down and go long on the terms. I won't though, because like I said earlier, I don't like debt, so I'll pay a lot of money down to lower my monthly payments. Then again, I'm buying an expensive car so it's a bit different than your average joe buying a Camry.