<prompt> Human: Back in 2013, my net worth was 62,000, my annual salary was around 50,000year, and I had student loan debt of 130,000.Now, my net worth is 190,000 stocks IRA, my annual salary is 200,000year, and my student loans are at 100,000.I paid off some debt along the way, a few extra payments here and there, but for the most part I tried to invest as much as I could and I only paid the minimum on my student loans which was still about 800month. I think this is a better situation than paying all of that debt because now I have a much larger net worth that will continue to grow and make more money, and I have enough money saved for a down payment on a house. Or, if I lose my job, I have a safety net that could last about 4 years if I couldnt find a job for a long time. Eventually I may start to pay off bigger chunks of the loan but for now I think my strategy has worked well and I dont see a reason to worry about paying it off.What are your thoughts on low-interest rate debt? Do you agree its not wise to pay it off right away and that its better to build a portfolio?  <response>: This is not a contrary opinion on this sub, dont know where you got it.I can easily pay off my mortgage now at 3.25 interest but I dont do it because index funds will grow better in addition to the tax benefits of a mortgage interest.General rule of thumb for me - pay off debts that has above 5 interest. Otherwise my money is better off in investments. 