sorry for rambling, just did more numbers
say I pay off each loan the way I had thought about, 700 a month going to the different principals and end up paying off the 6.7% loan in 7 years, the 2.7% in 10 years, and my house in 15 years, and THEN invest what I was paying in principals. well it looks like after 30 years if I did that I would end up with only ~500k. While if I invested the 700 a month from the get go, and just took the interest hit and only paid the minimums I would end up with 1.3 million after 30 years even subtracting the extra interest I would have paid.
mathematically it definitely seems to make better sense to just pay the minimums and invest the 700 instead of paying off principal. Psychologically it just seems wrong though, there is for me (maybe others) just something that feels wrong being in debt. Maybe it is just a mind thing that I have to deal with and just think that in the end I will have made roughly 700k more after 30 years. I don't know the answer.
This is all assuming a rate of return of 10%, but that doesn't really matter since whatever the rate of return is it will theoretically be the same in either hypothetical, so % wise the difference between paying debt off early vs only making minimum payments should be the same in the end.
by the way, thanks to the community for letting me work this out in public haha =)
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