Pay off student loans or invest more money
I am 25 have 34955 in student loans with the following interest rates. Unfortunately I have to start paying these loans back I've managed to delay them for a while with save.
5500 4.28%
3250 2.5%
3750 3.48%
12500 4.74%
7150 5.25%
2705 in interest that does not compound.
Payment is 191 a month over 25 years fixed rate.
Car loan
14689 4.8% 263 payment over 4.5 years
Income:103306
Income after taxes, health insurance payments: 82256
I max out 401k, Roth IRA, HSA, and have 10k extra to build emergency fund which I've just completed so all my extra money goes to investments. I think I invest about 45k. I did have to buy a car to get to work because my highschool clunker shit the bed after 10 yrs and 300,000, miles.
401k: 64,275
HSA:13,025
Roth IRA:62,678
Brokerage:1,6710
Emergency fund/vmfxx:15,932
Cash:6500
Car:18,000(I could sell it for 18k. I bought it for 19k)
I have 50k in debt at a moderate interest rate. My interest rates are lower then the 30 year us bond return so Im not sure if I should buy 30 year government bonds, pay off my debt, or keep investing all my money in the stock market.
there really isn't a spreadsheet that tells me what the optimal choice to do here so I'm asking reddit for advice.