<prompt> Human: I have a good amount of excess cash that Ive been slowly pouring into the market, while Im not trying to time anythinnecessairly, in addition to consistent weekly buys from weekly savings, I also put in another 2-3k into the market on random dips. I was wondering if it would be stupid to just pour all my remaining cash, around 80k in total investment purposes, not an emergency fund into the market now, keep doing what Im doing to slowly invest in, or just pay off some very low interest loans 3-4. I just dont feel great about the market in general, despite the great jobs performance, just because of how crazy some of these tech valuations seem to me, and by buying index funds a significant portion actually goes towards these companies. Thanks all!  <response>: The thing to consider is risk. Investing in the market has higher average returns, but you could easily wind up down 20 or up 20 over the next few years.Conversely, paying off the debt is like getting a risk free RoI of 3-4. For comparison, a savings account is something like 2 now, and a 10-year treasury bill is 2.8, so 4 risk-free is actually pretty good.Another way to think about it: would you take on an additional 20k loan at 4 to invest in the market? If not, it probably doesnt make sense to keep the current loans. 