<prompt> Human: Thanks PFDetails below. 34 years old. 50k in cashsaving about 3k per month40k in retirement account behind but currently maxing out contributions to SEP IRA39k second mortgage at 8.125 interest and 455 month paymentHouse is worth 270k, primary loan balance of 215100 shares of VTI purchased at 63Side note, have about 25k in repairs I need to do the houseLong term goal is to rent the house repairs need to be done firstAt 8.125 it makes it tough for me to decide what to do. Use my cash to pay off the second or invest more in index funds.Thanks for your thoughts in advance.  <response>: A risk free 8 is a no brainer. Pay it off. 