In this episode of "Your Investment Partners," hosts Paul and Garrett explore the complexities of paying off low-interest debt, focusing on considerations like cash flow, liquidity, inflation, and tax implications. They address when it might make sense to hold onto low-interest debt while earning higher returns elsewhere and the peace of mind that comes with eliminating debt. The conversation highlights balancing financial optimization with life quality, especially as retirement nears. Whether it’s maintaining liquidity or weighing the impact on future goals, Paul and Garrett offer practical strategies and insights to help you make informed decisions about managing low-interest debt.Key Points From This Episode* The challenge of managing low-interest debt in today's financial environment.* Balancing financial optimization versus peace of mind in debt management.* The importance of maintaining liquidity when deciding whether to pay off debt.* Using inflation to your advantage by holding onto low-interest debt as wages increase.* Strategies for spreading out tax burdens when selling investments to pay off debt.* Factors to consider: interest rates, cash flow, and tax implications when paying off debt.* The value of opening a separate account to save for debt payoff while maintaining liquidity.* How to align debt payoff strategies with future goals like education or retirement.* The flexibility and importance of maximizing financial optionality in debt decisions.Want to learn more? Contact us hereUseful LinksGarrett on LinkedIn (https://www.linkedin.com/in/ascendwithgarrett)Paul on LinkedIn (https://www.linkedin.com/in/paul-norman-81698291?original_referer=https://www.google.com/)Ascend Investment Partners (https://ascendinvestment.com/)