<prompt> Human: Hey guys just looking for advice, heres my situation.I have about 30k in a brokerage account... Liquid. I day trade a little for a fairly good success rate.I have 19.5k owed on a very high interest car loan that will be tough to refinance. And 9k on a credit card.Ive been bursting my ass trying to put together a lump of money that I can do something with. Im working two jobs, and was looking at buying a house to convert into rental property.Heres my question. Lately it feels like it might be smarter to pay down some of my debt quicker. But I dont want to lose the catch. Should I keep plugging away or just man up and refinance my own debt l.  <response>: Definitely pay it off today. Youre not going to consistently get returns that beat the interest rates on those loans, which means youre losing ground every day you dont pay them off. 