Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well.
Debt is dumb. Cash is king.
Enabling is the enemy of motivation.
I would not pre-pay. I would invest instead and let the investments cover it.
Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.
Surround yourself with people who add the fuel of advice and encouragement to your fire.