PAY DOWN LOW-INTEREST DEBT
Debt is not inherently bad, and in some cases it may make more sense to invest than to pay off debts early. For instance, if an investment offers an expected return of 5 percent and the interest on a loan is 3 percent, investing represents a net gain. But there is more risk involved, and some people may feel more secure without any debt than they would with the potential for a small return on their money.