Instead of paying off these 4 and 5 percent debts, I'm investing my money in options on gold and silver and stock indexes and make more every month doing that than the combined card payments are worth.
Until you know an individual's unique circumstances, it would behoove you not to shoot off your mouth so freely.
“I pay about $50 more than the minimum on each one every month,”
If you are doing so well on investments, borrow to the hilt on the cards and just make minimum payments. Otherwise, your plan doesn’t make sense.