• 2 Posts
  • 22 Comments
Joined 1 year ago
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Cake day: August 9th, 2023

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  • I don’t think there’s a bad decision.

    A CD isn’t the only option. A 2-year treasury note pays 4.82% right now. You could do that and then reevaluate in 2 years. Having more accessible/liquid assets leads to more flexibility if you need money for an emergency or even a move or downpayment or whatever.

    There’s also the very remote possibility for loan forgiveness.

    I don’t think the interest spread is large enough for that to be the “slam dunk” answer though. If you’re not great with money or just don’t want to deal with another administrative burden I’d lean towards just being done with the loans.


  • Maybe@lemm.eetoChat@beehaw.org*Permanently Deleted*
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    1 year ago

    Are you helping because you genuinely want to help, or are you helping because you’ll feel you’re “owed” something after you do? Whether that’s approval, friendship, etc? If it’s the latter, there’s a lot of baked in manipulation and dishonesty in your approach.

    Focus on yourself. Help yourself. No one owes you anything and the only one responsible for you is you.