<prompt> Human: Hello everyone, just wanted to start off by saying thank you for all the help you provide here. I love reading everything that gets posted. Sorry for the formatting, on mobile. Anyways, Im mid-20s, Ive been thinking of what to do with some debt that I have. Nothing major, just the rest of my car payment, and a dental bill. Now I have about 17K in precious metals that I physically hold myself, just as something I was able to put my excess money in so I wasnt able to easily spend it during the years I was able to max out my IRA. So to break down the numbers for you, my car payment has about 11K left, my rate is 0.9 APR. My dental bill is 5K at 0 APR as long as I pay it off on time in the next 22 months. Im not hurting to pay these off at all, but I feel like the value to just liquidate my precious metal holdings to pay the debt off, then have a higher net monthly cash flow approx. 850 to invest in something more substantial would be better. Thoughts? Concerns? Thank you all.  <response>: Pay it back?You have to eventually; its up to you on the timing. 