<prompt> Human: I have about 5k left on my 401k loan. I have been paying it down around 1-3k each month since this April. Given current market conditions, should I wait to pay it down further or continue paying it down monthly at the same rate?  <response>: why does it matter when you pay it down? Just pay it down. Timing the market is a fools game and you are trying to time it with borrowed funds? 