Everyone deserves things, but nobody wants to earn them. 

If the money is just sitting in your bank account earning less than 1% for the next three years, then go ahead and pay it off.

@Lilah Johnson Hi Lilah, sorry I can’t be much help in giving you advice about your plan as I am in the process of saving to start my investment career but I talked to a woman this week who is trying to get rid of 9 rental properties in different parts of the Cleveland area.

I have used that mindset to push through obstacles throughout my career.

I have used that mindset to push through obstacles throughout my career.

I just started my real estate career with Berkshire Hathaway HomeServices, California Properties in Irvine, California and I couldn't be more excited.

Additionally, as you scale up, you’ll hear references to doing work that is $X / hour and if you can earn more money doing something else, you should pay for a contractor.

As a realtor I LOVE working and educating other people to grow in their RE career.

Permit has been pulled, demo has started and the quotes from subs are rolling in.I broke down and started a blog on the project:  https://www.thecamelliaproject...I'm hoping to use it as part of a marketing strategy for my wife's new career as a real estate agent.

A wise investor might ask some of those folks if they'd rather earn 3% on an investment secured by real estate.