Bonus Dilemma: Invest or Prepay Loan? Make the Smart Financial Choice

• Deciding between investing a bonus or prepaying a loan is a financial, not moral, choice.
• Prioritize prepaying high-interest debts like credit cards for guaranteed, tax-free returns.
• Home and education loans require a nuanced decision due to lower rates and tax benefits.
• Prepayment offers guaranteed savings and reduced stress, while investing carries market uncertainty.
• Consider a middle path: use part of the bonus for debt reduction and part for investment to balance relief and growth.