torunmetsfan t1_jegtyz5 wrote on March 31, 2023 at 10:31 PM

Reply to comment by Cruian in There's no reason to pay more than the minimum for these debts, right? by [deleted]

Sure but there’s a mathematical/dollar value associated with having a better emotional state. And it’s such a small amount of money, it’s just not worth any effort/stress/time to arbitrage a $20,000 loan at 3% against a hysc at 4%.

Cruian t1_jegudlj wrote on March 31, 2023 at 10:34 PM

It depends on the person. I absolutely would put in the effort for example. Basically no extra stress, 5 minutes a month tops, can be done alongside my other banking already.