Question for everyone. I have a 50k loan that is at 6.2%. Due to my job and budgeting, I have a decent bit of cash flow left each month (around 1-1.5k). My conundrum is whether to aggressively pay down the debt or to use that money to DCA and invest. I know general financial planning says to pay down the debt because I can't guarantee that kind of return right now (HYSA or Market).
However, given my age (29M) and the status of the current market, my fear is that the market could see a pull back anywhere from 10-20% and I've used all my excess cash flow to pay down debt and not take advantage of the downturn.
Thoughts??