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What are some good stocks to buy today?
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If you have flexibility and expect to return over 3% in the market over the loan period investing makes sense. Assuming the car loan is only a couple years likely, it is certainly possible the market could be down. Also don’t invest in SPY, use IVV or VOO if you plan to just hold.
I’m in the same boat, curious about others’ opinions
This is a personal decision. I think most people will say make the minimum payment given inflation rates and market returns over the last decade. I say it’s a personal decision because some people just don’t like having debt and it’s also a guaranteed 3% vs. what the market will give you.
Buy some I bonds, current rate is 7%