<prompt> Human: I financed the purchase of a car not too long ago and have around 3 years of payments left, with an APR of 6.25. Im able to pay off the balance in full as of today but was wondering if Id be better off putting these funds in ETFs assuming that I have a high risk capacity and tolerance.Edit: Will pay off the balance. THanks for the insight guys  <response>: Use the money to pay off the loan. 6.25 is too high an interest rate to assume you will be able to earn anything over and above that. 