<prompt> Human: I am referring to the commonly recommended strategy of paying off all debts that are above 4, and stretching out the payments on anything lower than that. The money is then invested with the hopes of a good return, often quoted as 7 historic stock market gain.Going by the numbers, it seems like there is no limit to this advice, assuming the 7 was ensured. In fact, that one should borrow as much money sub-4 as possible and invest it.Thats not the track I am following, but lets say I have over 100K varying from 0 to 3.5 in various debts for vehicles or student loans or personal debt -- should I pay the minimums and call it a day?  <response>: Youre right, if the 7 was guaranteed there is no reason not to take out a bunch of sub-4 loans and invest.It boils down to your appetite for risk, your desire to be debt-free, and your cash flow. 