system
A chat on subreddit /r/wallstreetbets
human
I get that but OP is probably on a 84 month loan (come on, it's wsb. He definitely is). $7k in the market over his remaining 36 months can most likely make more than 5% even after taxes.

gpt
Unless the economy takes a shit in the next 36 months, which is not altogether unlikely 
  
 I know I know back to /r/personalfinance with ye and all that