Emmie
Region: GB
Tuesday 24 March 2026 08:32:35 GMT
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mysterytoy :
But the left-hand version also became mortgage-free 17 years earlier which might have meant she can go part-time at work as she doesn’t have as much financial burden, use the extra time to start a business or care for her mental health or start a family.
2026-03-24 15:15:41
2012
ii_hands_ii_heaven :
10% reliably is fantasy
2026-03-24 13:21:17
1149
Paul Duthoit :
Fundamentally true, at least historically. But past returns are no guarantee of future returns. Generally it normally makes sense to be rid of debt as soon as possible.
2026-03-24 08:48:07
443
Ben Lawrence :
After 13 years Why did girl on left only start investing 500 a month? Shes mortgage free she could afford shit loads more?
2026-03-24 20:41:04
170
Gareth Morris :
Mathematical this makes sense. HOWEVER the more I learn about people levels of self control the more I believe that 90% of the population doesn't have enough self control to keep £500 a month untouched. A mortgage is a better forced saving mechanism that builds equity for the average person to build wealth.
2026-03-24 15:02:41
192
Jacob :
But the person on the left should then invest the monthly mortgage savings over the 17 years after she's paid off her mortgage. on top of the initial $500. not a fair comparison
2026-03-24 13:44:01
235
teKKers :
Investment is never guaranteed especially at 10%
2026-05-06 05:53:56
10
Savage_sweet :
but the person on the left could invest more than 500 per month because their mortgage is paid off
2026-03-24 13:34:26
102
DeSelbysFootnotes :
this is assuming the economy doesn’t tank, which it does regularly…
2026-03-24 15:25:59
68
monalogue :
This is so cool to see. Personally my goal is still to hammer the mortgage because the peace of mind and lifestyle of being mortgage free are priceless to me. Doesn’t mean I won’t invest but my priorities aren’t just about net return
2026-03-26 17:11:36
14
moudi.iam :
Yeah provided the investments don’t flop.
2026-03-29 13:56:21
5
Par4Life :
one gambled and won. Not everyone does. The other went the safer route.
2026-03-24 15:44:37
31
Sarah Plum 🇬🇧 :
And how much are you paying in tax when you withdraw you 1 million?
2026-03-24 22:24:19
5
GhaXal Aziz 🍉 :
whenever I invest i ended up losing money my nearly £14000 is less than £3000 since last 3 years .. 😏 I rather pay my mortgage
2026-03-24 17:12:26
5
shxkuraa :
Love this! Think I’ll opt for 50/50 for each method.
2026-03-24 15:18:12
41
walkedtheplank :
Assuming the 3.5% interest rate is fixed for 30 years. It won’t be in UK. But I do get your point. 👍🏻
2026-03-24 15:20:59
18
Rated :
Personally I do both, half over pay and half invested.. balance the books, giving me option to retire sooner than planned if needed due to health etc
2026-03-25 10:13:23
5
EU Citizen 🇪🇺🍉 :
BlackRock tracker or SNP500 tracker easy
2026-03-26 18:37:24
1
Emily Doherty :
Lol a spare £500 😂😂😂
2026-03-24 13:58:36
17
Tempian 🇬🇧 :
Very interesting. I want to see the same sinario with 3 people. The 3rd invests £250 and over pays the mortgage by £250. And it would be good to see the house being sold at market value after 17 years.
2026-03-25 06:03:05
15
Booko :
Over paying is a guaranteed benefit, investments go south occasionally
2026-03-24 16:47:12
11
Golden Retriever :
For a proper investment accounting, you should better include the 17 years after paying off the debt not with £500, but with £500 + the amount that was anyway paid monthly for the mortgage (because there is no mortgage, extra cash at hand every month)
2026-03-24 13:34:54
21
X :
In order for the comparison to be fair, the one who paid of the mortgage earlier should invest 500+amount equal to mortgage payment after 13 years. If the mortgage payment was around 1500, they’d have about the same amount invested in 30 years
2026-03-24 19:09:00
10
Evermore Wilde :
But where should you invest and how
2026-03-24 13:19:00
14
.zell. :
⬅️Left girl: After 13 years, you combine the amount of Mortgage + 500/mo. ✴️After 17 years, you will have £890k instead.
2026-03-24 16:35:53
6
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