while I agree paying your debts is a "sure" thing, I disagree on doing it.
I hate to be cash poor but asset rich.
if you are buying now it is a problem, but when interest rates were 3 percent and under, I would rather invest the cash than pay off a debt.
It is a risk but I would rather make 3 percent over the 3 percent I owe.
or if a great need for cash arises I have it on hand instead of not owing on my home or car.