<prompt> Human: So Id like to think Im frugal with my money. Im 23, Male, take college classes online. I just finished filing my taxes and was told Ill get a couple thousands dollars back from taxes I worked A LOT this year. Anyway, with this money I planned on investing it in a boring Index Fund that gets me around 7-12 ROI yearly. I also thought of paying off my braces I currently have. My monthly payment on my braces is 220month and I have about 2000 left to pay. If I dont pay off the braces, I was told from the dental office my last payment on the braces will be December of this year, not too far away.If I do pay off my braces, thats 220 month that I save but Im also out 2k. If you guysgirls were in my shoes what would you do?TL;DR: Should I pay off my 2k braces with my tax return or invest it in an Index fund?  <response>: Pay off your debt, invest what you were paying monthly.You arent out 2k when you pay off debt. 