I’ve been taking stock of my complete financial life: mortgage, credit cards, savings, and other debt.
At one point, I became obsessed with getting rid of my student loans. They’re an ugly stain, a black cloud always marring my ideal financial vision. Last year, I made a $7,000 payment just to start chipping away at the principal. I see now it was an emotional, not logical, decision.
Since then, I don’t feel like made much progress. And deep down, I want to save more in my IRA account. I was paying so aggressively that I wasn’t saving as much.
After running the numbers, I’ve decided to say screw the student loans. I’m gonna pay the bare minimum and invest everything else.
Past Harlan went to school. Future Harlan is gonna save his pennies. (Third person tense activatedddd!)
I just wanna be carefree. For me, that means giving up the ghost of paying off my student loans – I’m gonna invest the rest
I’m tired of missing out on opportunities.
