Today we paid off our bank loan for our 2nd IVF - which resulted in Ruby.
I joked to Steve that we now finally "own" Ruby and don't share her with the bank. Like if we didn't pay the loan they might take her back.
Of course we stole from Peter to pay Paul, but Peter's interest rate was lower than Paul's and thus reduces the total amount that we will have to pay in the end. It also lowers our monthly bill payments and increases our credit rating. And it's one less loan that I have to look at when I sign into my online banking.