realbraidenshaw
Region: US
Wednesday 03 December 2025 17:13:27 GMT
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Simple Finance By J&A :
This is unfortunately comparing Apples and Oranges. The comparison should be including that the money you would be paying on the mortgage is being invested every month for option 1. I am all for investing, but option 2 includes just under an extra million dollars in the equation. No wonder it is the better option.
2025-12-03 22:03:00
9
John Howell :
So why wouldn’t your 6% return be canceled out by the 6% interest you are paying. They are both 6% per year. I’m not arguing with you but I don’t understand how you are coming up with this extra money.
2025-12-04 13:59:39
2
Kelvan Lansink :
invest the $400k
2025-12-03 18:26:44
4
cgee :
Can you do a scenario where the mortgage payment you aren’t making with option 1 is put into investing and see which option is better.
2025-12-04 03:35:51
4
Project Mindset :
Second scenario
2025-12-05 02:58:12
1
Kahleia :
similar argument could be made for taking social security at 62, (or 60 for widows) only to take the full payment from social security and putting it into investments for many years
2025-12-28 17:31:07
0
jpthom :
If the house goes up 5% every year, isn’t that a compound return as well?
2025-12-05 01:34:59
2
user8678297278706 :
Not factoring payments nor taxes. Capital gains
2025-12-04 16:19:30
1
ScienceMadeFunner :
Currently with the way society works today always go with a debt option. People who go into Smart debt, make the most, typically. I think anyways.
2025-12-04 22:29:18
0
Victory :
Option 2
2025-12-04 00:37:41
2
Aaron :
Wish you would redo this with the assumption that the scenario that paid for the house in cash then began to invest what would have been their mortgage payment and see how it shakes out.
2025-12-24 00:00:30
1
Dreame Bee🐝 :
I got it right !!
2025-12-05 02:09:09
1
Ash :
Not to mention your mortgage numbers don’t change but inflation does, so over time your houses mortgage is worth less but the house goes up in value.
2025-12-15 03:02:27
0
Me :
Mortgage 💸
2025-12-04 08:33:01
2
Liam :
Option B is better too because you get the mortgage interest tax write offs each and every year! That’s a big thing over all those years, too
2025-12-29 19:35:14
0
nehapatel6090 :
Agreed 🥰
2025-12-04 00:00:10
2
Raloves :
Depends on your age
2025-12-23 06:36:38
0
Tom Padick :
Okayy
2025-12-04 00:45:34
1
Electric Ring :
Debt provides leverage. Once you understand this, you know it amplifies returns, but it also amplifies losses. Losses are statistically unlikely on a home, but…
2025-12-29 22:54:38
0
tellurider676 :
Ok. So Tell us which bank you robbed to get the $400k? 😎😅🤣🤣🤣 Kidding kidding.
2025-12-19 03:43:37
0
user6862087074809 :
@user6862087074809: Makes perfect sense, your 400k investment grows and 6% each year is on higher principal balance. While your 400k debt, your principal goes down every year so 6% on a lower cost each year. Each year that gap gets bigger and bigger
2026-01-13 03:30:56
0
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