I have a 5 year 0% HVAC loan, with $15,000 left to pay off. Should I “Go Ham” on it? My monthly payments are less than $300, so it’s not a strain on my budget in any way. I want to max out my 2021 IRA and contribute more to my 401k, but I am also considering paying extra on my mortgage ($294k on 2.375% 30 yr fixed). With so many goals, I’m kind of at a loss with what to do with my extra cash.