You basically just advised doing exactly the opposite of what you wanted to advi...

		tedunangst on April 5, 2012 \| parent \| context \| favorite \| on: Redditors who are rich (net worth $1 million+) - h... You basically just advised doing exactly the opposite of what you wanted to advise. The money used to pay it off quickly is the extra cash you put away in other investments. If your choices are pay off a zero percent loan or invest for a positive return, you don't pay off the loan.

Point taken. Keeping a larger balance for investments does make sense.