Agreed. In my early 20s I was tempted to take my "signature loan" account of $10K and put it into investments, as a sort of enforced savings, and pay that off.

Agreed. In my early 20s I was tempted to take my "signature loan" account of $10K and put it into investments, as a sort of enforced savings, and pay that off. In some ways, that's stupid, but 20+ years on, I wish I had done that. I mean, not as much as I wish I had held onto those bitcoins I sold for $15, but still... :-)