Silly Elon.  An underground tube that delivers crap from one point to another is called a sewer.

You’re completely correct, “saving” in a non interest bearing account so you can later make a lump sum payment on a loan hasn’t saved you any money, it’s cost you the interest on the money you were saving

Was going to say the exact same thing. Yeah you want to do it as soon as possible.

Wouldn’t you want to make the extra payment at the earliest date possible, regardless of proximity to the regular installment? Even if more of that extra payment ends up going to interest, it will increase the portion of the next installment that goes toward principal, and it will reduce the total interest cost even…