Do people actually invest the difference?

I constantly see the advice that if you have a debt with a low APR (under 3-4%), you shouldn't pay a cent more than the minimum because investing the difference yields higher returns long-term. The math makes complete sense on paper, but how many people actually end up investing that extra cash in practice? If someone isn't going to follow through with investing the difference, aren't they better off just throwing it at the low APR loan anyway? Honestly, if I budgeted $500/m for a car payment and landed $350/m, I’d just absorb that extra $150 back into my daily budget. submitted by /u/Swaggasaurus-Rexx to r/personalfinance [link] [comments]

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