<prompt> Human: My finances look like such:Debt: 475k AUD interest only mortgage on investment property approx 1800 a month 4.77 PLUS 100k AUD loan from my parents 375 a month 4.5 417k USD standard mortgage on home approx 1950 a month pi 3.85 16k USD car loan 3.75Assets: 750k AUD investment property 550k USD owner occupy house 16k car 30k AUD cash 15k USD cashIncome: 150k pa salary 1850 pm rental incomeno credit card or other debt.So Im about to get around 70k-90k through tax, bonuses, etc. and wondering what would be the best use. My investment property is negatively geared and if I threw ALL the money coming in on the mortgage it would probably be closer to neutral. But I wonder it its better to use a portion to pay down the loan and then invest a portion?  <response>: 70-90k USD would pay your parents 100k aud. Id go that route while there is still a favorable exchange rate :. Id save and put the other half toward another investment property since it looks like you have a fantastic one already. 