would you be interested in a Beastball HA rockruff or a Beastball nonHA beldum for your Beastball HA jangmo ? <| sep |> I ' ve read almost every theory and this is still my reaction . <| sep |> I would keep some money in checkings and in savings , in case of financial emergencies like job loss or a medical bill . The 4 . 66 % interest rate is an interest rate where it ' s smarter to put money towards the debt than letting it linger in a savings account beyond a bit of cash for possible emergencies . But if you have other smart things to do with your money like funding your retirement account and perhaps even getting a match by your employer , then that should go first . if you don ' t know what to do with your surplus money , then definitely put it towards your loans !