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Ill throw half at it, a bigger chunk at it, but Im going to keep my liquidity, because again, to your point, by doing that, you are still with the intent of paying down that loan, but giving yourself maximum flexibility, which in finance, thats literally number one priority, I think, in a plan, in a strategy, is giving yourself maximum flexibility, if at all possible

This is something I have engrained in my habits and personal systems

not even the band of thieves who have recently stolen a small fortune in gold

For example, the tobacco industry funded research to show that people with mental illness use nicotine to self-medicate