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Cash is King Cash is King people. Put the money in an offset, then it's always yours if you want it. Put it on the loan, you can only redraw it for investment... I agree with reducing debt over time where possible, but do it with an offset account. Why pay $20K off your investment loan...

I have two main rules: 1. Take as much as the banks will give you and give nothing back!. 2. Refer to 1.