syd✨🌷
Region: US
Tuesday 13 January 2026 19:26:56 GMT
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MattInTheHat2 :
Hear me out: Invest the money in mostly dividend stocks. Use the monthly or quarterly dividends to put extra principal payments on your mortgage. Stocks continue to grow, but dividends also pay down the mortgage faster. You can calculate how this plays out pretty easily.
2026-01-13 21:31:37
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Jesse Solar :
Love the paying extra play at 6.63%! Close enough to the avg return of the market, and once your largest expense is gone, you can retire sooner bc won’t need as much $ to live off of!
2026-01-13 20:13:26
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haley :
My advisor ran both scenarios for us and we were better off investing any extra
2026-01-15 14:27:34
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Shannon Cates :
Refinance babe!
2026-01-14 12:31:44
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Amy T :
I paid off my mortgage & car early. Debt free by 39. Now everything is investing and saving. In hindsight, I probably should have invested more earlier, and paid less "extra" over the years, BUT you don't ever know what is best in the moment. I like your strategy! Pay some extra but also invest some extra. Feels like a win-win!
2026-01-13 23:12:15
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Lina's Art :
Me too!!! Let’s pay off that mortgage girl! While maxing out retirement 🤓
2026-01-14 23:37:40
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Ashley MD Real Estate Expert :
Max out your Roth IRA yearly & your 401k first. Always make sure you have an emergency fund . Then you can pay extra towards the mortgage
2026-01-27 23:18:04
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Routed By Reynolds :
if the average return is 7%, I'd just split it 50/50, tackle both goals at once.
2026-01-15 00:54:23
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nikki_BYWD :
I don’t fully agree with Ramsey plan but I love the idea of investing 15% of income and throwing the rest to mortgage!
2026-01-15 15:21:14
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OrangeTiger1995 :
Max out 401K, IRA, HSA first. If you still have extra, then throw that at the mortgage. You are so young. Being mortgage free is a great position to be in, but not really until after 50 years old.
2026-01-31 21:46:37
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bobbygioia_ :
If your rate was 7% or higher I think it would be an easier decision to pay it off but maybe split your extra money 50/50 between pay off and investments
2026-01-18 15:33:31
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meganmombudgetlife :
Once we get our 20k debt paid off and save 3/6 emergency we are going to work on paying off mortgage
2026-01-26 22:34:55
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Jamie | Metro Detroit Creator✨ :
Doing a split of both! mortgage to be paid off in 5 years. ✨✨✨ my first year as an RN, I purchased a 15 year mortgage
2026-01-13 20:49:19
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user7077383535005 :
I’m 39 and I paid my house off at 33. I would do it again tomorrow. There’s no better peace than being debt free.
2026-02-08 15:40:25
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Anya K :
I keep switching month to month lol some months I pay extra on mortgage and other months I put extra towards brokerage accounts
2026-01-29 01:01:02
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elizabethr567 :
we owned a paid off house for 4 yrs. it felt the same. I felt more risk honestly. I really felt uncomfortable having all that money tied up. I might not again.
2026-01-19 18:13:32
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kyrat21 :
Max out your 401 and Roth and pay some extra at your mortgage when you can.
2026-01-18 23:43:32
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Shane Jenkins :
opportunity cost
2026-02-01 20:00:24
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Hope Osedo | BSN, RN 🇰🇪 :
Same here! Got 300k left on my mortgage with a 6.1% interest rate. Once Emergency fund is fully funded, definitely attacking that mortgage aggressively
2026-02-08 09:31:21
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Ethnao :
50/50
2026-01-17 03:33:45
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Emma Mary :
You are so insightful!! Love these sm
2026-01-17 02:49:05
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Basic Dad :
I paid off my mortgage and invested 🙌
2026-01-16 18:40:41
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Ashley :
Pay off the mortgage!!!! 😁
2026-01-16 18:40:22
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Amy Claire :
Do a little bit of both
2026-01-15 22:13:52
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Marshall Ranch :
Pay off house 💯
2026-01-14 21:20:56
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