 We say, well, you just bought a 5% CD. What do you think? Should you pay the bank 2.67% to pay that loan off? Or should you take that same money, put it into your own pocket, let them pay you five? That's called leverage. It's positive leverage when you do that. So you got to have your emergency funds and things like that. But get rid of that high interest debt and do not allow them to be sucking this money out of your pocket because that is the single biggest detriment to retirement.