<prompt> Human: I have the same question as everyone else. What do I do with my money?Long story short, Ive been living better financially than I ever have been after years of scraping by: rent free, although still with parents no car payments, although I would like something new by the end of the year in good health and with employer insurance, 401k maxed out, with a super steady career six months emergency fund, no other debt no investmentsHowever, with all this savings Ive been doing, Ill have enough to completely wipe out my debt of 23k in 12 weeks all at once instead of waiting another two years. All of the interest on it is 4 or less. I really want to get this monkey off my back, are there any unforeseen consequences to just paying off all of it at once as a single payment? Will this hurt my credit, or anything else like that? Or, should I just wait, keep making payments every month, and get into other debts that will be more monthly payments- house and car- and just juggle all three at once?Thanks!  <response>: If it were me Id pay the debt off. Having no debt is as good as a clear conscience. You are young, maxing your 401K and are kicking butt. Well done! Stay with your parents as long as its feasible. Bank money, travel, and enjoy life! Save up and pay cash for that new car next! 