Glen and John are back with another Q&A. Today's community questions and topics include:? should I pay off my HECS/HELP debt??? what are the pros and cons of refinancing your mortgage for the cashback??? pay off car loan or leave it?? paying for a holiday with a loan or credit?? should I make after tax contributions into Vanguard super or VDHG?Thanks to Sharesies for supporting our Tuesday show! ✨Download the Sharesies app or visit https://bit.ly/sharesiesMMM and get $10 added to your account ready to invest when you sign up to the Sharesies platform using the promo code MMM. Promotion T&Cs apply.Register here for the Mortgages for First Home Buyers webinar presented by Sphere Home LoansBook a clarity call with John: https://bit.ly/M3JohnClarityCall? Please read our disclaimer + warnings before listening to this episode? Join the mmm facebook group? Quick links to $20 off The Glen James Spending Plan, Glen’s book & other resourcesmy millennial money is produced by SYMO interactive Hosted on Acast. See acast.com/privacy for more information.