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E-cigarettes fall into a sweet spot of high appeal and satisfaction, but low harm, making them a promising tool for smoking cessation or switching for smokers who want to use nicotine but want to safely avoid deadly smoke

Int J Occup Med Environ Health

Ill throw half at it, a bigger chunk at it, but Im going to keep my liquidity, because again, to your point, by doing that, you are still with the intent of paying down that loan, but giving yourself maximum flexibility, which in finance, thats literally number one priority, I think, in a plan, in a strategy, is giving yourself maximum flexibility, if at all possible

At work: Talk with your boss about moving to a smoke-free area