<prompt> Human: Heres a screenshot of my current Mint account. I have about 16k in credit card debt at the moment. The Visa is 6 APR, not sure about the Amex. I want to spend the cash to get rid of the debt, but 14k of it is my parents that Im just holding on to. And I need the rest to cover rent, etc. Any ideas or thoughts? Im 25 years old.Assistant: Why do you have 74k in what appears to be a taxable stock account, while still holding on to credit card debt? It seems like a no-brainer to liquidate 20-25 of that and instantly be out of debt.Are you sure about that 6 APR? That sounds incredibly low, less than half the lowest Ive gotten an offer for in the past few years. I would expect it to be more like 16. In any case, getting rid of the credit card debt gives you immediate, guaranteed returns equal to the APR. 6 in an actual, guaranteed return is something Id jump at.Human: I just double-checked, and the APR is 6.99 Regarding the stock. Its a high profile tech company, and this year alone the gain was 50, which is why Ive been keeping on to it.Assistant: Ya... its not going to continue to grow like that. We all know that. This is the time when you cash in on the good growth to take care of your bad debt.Human: I totally get what youre saying, but people told me that same advice two years ago and its gone up over 50 since that time. Its still growing at a consistant rate thats way higher than 6.99 a year.  <response>: Heres how I evaluate debt payments: would I take out a bigger loan at that rate to put money into my existing investments. So, would you max out that credit card to buy more company stock? If not, why?Ive got a auto loan at 2, and only making minimum payments, because I would totally take out more money at 2 to put towards investments. Many people do the same thing with mortgages. Once you get above 5 though, it makes it a very hard call to assume youll be able to make consistent returns that will beat the loan interest. 