<prompt> Human: Folks, fairly simple question here.36 years old. Married. Homeowner in Los Angeles. Tesla put some spiffy solar panels on my roof. No money down. They generate 100 of our electricity needs; now we pay Tesla for the loan instead of the power company for juice. This was by design -- we like the idea that the panels pay for themselves. So we get renewable energy and a certain smugness and our bill is locked in. DWP can raise their rates all they want and it wont change our bill. 60month.Great! Except a year out we have the means to pay off the balance entirely. But should we?The balance is 8,948.48. Our loan is at 4.99 for 20 years. Basic math tells me that well be paying about 13,680 if we stick with the 60month payment for the remaining 19 years. My brain says pay off the loan, dipshit. If you have the means, always pay down debt at 4 or higher. Of note, this is our only outstanding debt besides our mortgage. But... my gut says maybe dont pay off the loan. Sure, youre paying out way more money in the long term -- but with any reasonable amount of inflation, that 60month becomes easier and easier to pay. The value of the dollar likely drops. Our incomes likely go up. And so my gut says, hey dipshit, put that money in an index fund and youll see a better return.I should listen to my brain, right? EDIT: Thanks folks! This is what I needed to hear. No penalty in the loan for paying off early so im gonna do that.  <response>: Id pay it off. One less debt. Plain and simple. Your idea sounds fancy but just pay off your debt bruh. 