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I think OP’s response, and a lot of responses in this thread like it come from people with modest savings and some levels of debt St Paddys Day 2021 Gnome in a mask – Buffalo Plaid T-Shirtare manageable within their budget. For these people it’s an extra $200-300 a month which isn’t incredibly life changing for them at that specific moment in life. Not that they’re ungrateful for it, just that it wouldn’t have as huge of an impact as it would for some other people
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Also, even though I have debt, I’m not really stressed about it. I have a job right now, and I have a plan for tackling the debt, but I’m not obsessing over St Paddys Day 2021 Gnome in a mask – Buffalo Plaid T-Shirt I own my car, and I have about 7k in debt from when I was out of work for awhile, and then about 20k in student loans. $12,500 would pay off all the short term debt, sure, and allow me to pay some of the long term debt, but again, I have a plan for managing these and it’s going fine, so I’m not exactly super stressed about itIf it was, say, $50k, that might be more life changing. I could pay off all my debt, and then put the rest into savings so that I would have money to pay bills and such for 6 months to a year if I ever was out of work again. Not having to worry as much about if my contract will get renewed, or worry about finding a job within two months if it didn’t, would be a far bigger change for me.