Allison
Region: US
Sunday 09 August 2026 00:42:59 GMT
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Becca Lowery :
Definitely with that interest that makes sense
2026-08-09 00:46:29
40
Sophie & Friends :
My mortgage is only 2.65% and I’m still trying to pay it off. Makes me feel better.
2026-08-09 01:01:34
44
Hains :
I work in the stock market. Returns on investments can be between 7-10% or they can be 0% or -50% depending on what you invest in. You still have a tax burden on those returns. Pay your mortgage and don’t listen to anyone saying any different.
2026-08-09 08:31:14
20
Casey Patricia :
In Canada we are only allowed to pay off a certain amount extra per year. Is that different in the USA?
2026-08-09 01:30:17
2
Cait :
Wow! How much was your house?
2026-08-09 21:13:59
0
FinancialTherapyWithTy :
Comments are always quick to point out basic rules like investing over paying ahead on a mortgage, but it's not that simple. Comparing the S&P 500 using CAPM, you'd be expecting a high-end 10% return with current short-term yields around 4%. If we adjust for the added risk (1% beta), the risk-adjusted return = expected return - risk-free return/beta: 10% - 4%/1 % = 6%. You "could" make more investing, but the risk-adjusted return of the market is 6%, lower than your mortgage rate. There is a good argument from a risk-adjusted return perspective to pay it off as well.
2026-08-10 12:57:21
1
daph :
Also at the end of the day personal finance is personal! You are allowed to make decisions with your money that bring you peace!
2026-08-09 00:55:26
45
hedgehexlfz :
6.25% is not relatively high
2026-08-09 20:33:03
1
J Maggie :
Also if doing that lessens anxiety then it’s totally worth it. People forget about the peace it would bring. Keep going sister.
2026-08-09 13:14:52
1
a b b y 🫶🏼 :
You’re doing the right thing based on your personal goals
2026-08-09 12:12:31
4
TikTok :
What chart do you use to see how much more you are saving
2026-08-09 01:07:49
2
Tara :
Once you pay off the mortgage, you could also use the money you'd normally pay towards a mortgage (all of some) every month and put it in investing.
2026-08-09 10:29:19
3
Angela :) :
🥰🥰🥰 I can appreciate this.
2026-08-09 15:38:51
0
Leona Scanlon :
Wow interest rates in the USA are high
2026-08-09 00:51:29
0
teachingwithstyle :
Ok but that bookshelf behind you!! 🥰
2026-08-09 19:08:46
0
stormtrooperx88 :
We have about $71k outstanding on our mortgage with $12k of interest. Makes no sense for me to pay it off quickly. Everyone’s situation is just different.
2026-08-09 14:46:01
1
HER spa 🧖♀️ :
our plan is to hit coast FIRE, then focus on the mortgage while still contributing 15%
2026-08-09 02:35:39
2
Dawn :
Stay there. Retire early!! That would be the dream!! So wish I would’ve done this. We paid off our mortgage at 40 but have a LOT of work to do with retirement 💗
2026-08-09 00:49:26
5
keiraclark :
five years omg that’s amazing!!! you both are smashing it!!❤️
2026-08-09 06:02:51
0
Zoe / Daycare & Lifestyle💫 :
ALSO - mortgage is guaranteed until paid off, while investing is not certain. Cash flow is also SO IMPORTANT! Freedom is having flexibility to move as life does!
2026-08-20 19:49:02
0
BrattoBiz :
Reasonable take!
2026-08-10 15:46:07
0
Nygirlinaz16 :
Are you maxing out your 401k (not just employer match but the full amount allowed)? Just curious as it’s good to have lots of diverse accounts (Roth and traditional for 401k if your job allows it) as well as brokerage so if you do retire early you can live off the brokerage and then once retirement age hits you can leverage the retirement accounts so your taxes are lower for income.
2026-08-09 02:48:40
0
aqerdshvcfyhjjvg :
It’s not comparing stock gains v the interest, you need to compare your time value to money until retirement age, where you would compound for 30 years.
2026-08-10 02:42:17
0
sriroyer :
Have you thought of refinancing?
2026-08-09 16:06:12
0
Erika :
The power of compound interest needs to be something everyone fully understands before making decisions on where to put their money.
2026-08-09 17:26:44
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