<prompt> Human: Not super financially savvy, but reading through the wiki, and also searched the sub. Couldnt find an answer to my question.Obviously, high interest debt needs to go away ASAP. But if I have extra money that I can choose between putting towards a loan with 5 interest, or I could put it towards something like a mutual fund or a bond where I could get around 9, isnt it doing more work if I dont put it towards the debt?EDIT: My thanks to the serious and constructive answers from the people who responded :D And extra thanks to most of you, who werent derisive about it.  <response>: what mutual fund or bond gets you 9? YOY guaranteed?0. 