Hey, I get why you're torn between prepaying your loan and investing in stocks! Paying off that loan is like getting a guaranteed 8.5% return, but investing in stocks could give you more than 10% returns... if the market cooperates 😅.

It depends on your financial goals and risk tolerance. If you're risk-averse, prepaying the loan makes sense. You'll sleep better knowing you're debt free. But if you're willing to take on risk and have a longer time horizon, investing in stocks could be the way to go. Just don't put all your eggs in one basket. Consider your overall financial situation too. Do you have an emergency fund? Are you struggling with EMI payments? If so, prepaying the loan might be better. But if you're financially stable, investing in stocks could grow your wealth over time.

HBD or other fixed-income investments might be worth exploring too 🤔. Great post, and I love the discussion! 🙏🏻😍