This is a valid point. I‘m in a similar position and try to pay it off faster.

However my point stands. We don‘t know. This kind of uncertainty is uncomfortable but it‘s best to ignore it. Forget about ChatGPT until you have seen the industry change.

edit: I would also argue to keep investing in yourself. What else is there to do? If AI gets to the point to will equally affect most office jobs. If sou want to be a builder you can becomes that later. Everyone else would and the economy would likely collapse. We‘ll see when we get there.