my money in a money market fund has returned 0.01% since august
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It's a tough call, but saving for a down-payment sure is tempting aint it?
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Is the interest deductible in the US? Guaranteed 7% pre-tax is nothing to sneeze at.
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Student loan payments count as a tax credit. No idea what the cap is. But home ownership also comes with a slew of credits, so you'd probably prefer to have the money out of student loans and into that.
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Pay off your loans bro. No investment gives you risk free tax free 4% these days
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