Paying Off Your Mortgage Early Can Cost You $294,000

Описание: Pay off your mortgage before retirement" — everyone says it. But what if the math says something different?

When your mortgage rate is lower than your investment returns, keeping the mortgage could leave you hundreds of thousands of dollars richer. But it depends on YOUR numbers.

In this video, we break down:
→ The real math: 3.5% mortgage vs 7% returns
→ Why the spread between rates is what matters
→ Three scenarios: low-rate, high-rate, and early retiree
→ The hidden cost of paying off (opportunity cost)
→ Why liquidity matters more than people think
→ How to decide for YOUR situation

No opinions. Just the math.

⏱️ Timestamps:
0:00 - Script
0:46 - The conventional wisdom
1:19 - The real math comparison
3:14 - The 'Spread' Principle
4:10 - Real-World Scenarios
5:56 - Your Decisions Framework


📚 Resources:
Freddie Mac Mortgage Rates: https://www.freddiemac.com/pmms
S&P 500 Historical Returns: https://www.investopedia.com/ask/answ...
IRS Mortgage Interest Deduction: https://www.irs.gov/publications/p936

This is video 12 of our Retirement Reality series — foundational knowledge for Americans planning retirement. (12/20)

#Mortgage #RetirementPlanning #DebtFree #InvestingVsDebt #FinancialPlanning #MoneyMechanics