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72,438 Views • 1 year ago • Click to toggle off description
Would you rather be debt-free in retirement or keep your 3% mortgage and invest your money elsewhere? 🤔💰 It’s all about mindset! Managing debt wisely could earn you more in the long run. What’s your strateg
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Genre: Education
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Uploaded At 1 year ago ^^
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RYD date created : 2024-10-13T17:54:27.741722Z
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104 Comments
Top Comments of this video!! :3
Payoff your home asap. You will taste freedom. Then you are free to invest wherever you want. But you have a peace of mind that your home is yours.
8 | 1
The mathematical answer to this is that 3% has not been around for years so he's just blowing wind! Going into retirement with NO DEBT is the way!
12 | 3
Are we forgetting that your mortgage is compounding over time and in a 30 year mortgage it bleeds you out slowly. As I recall, I had a 30 year mortgage for 130k that would have cost me around 400k spread over 30 years. No thanks. Pay as fast as possible, be debt free as soon as possible and always save a little to invest. It will work out to your benefit.
6 | 1
if i listened to this guy about paying off my debt id be broke right now. lol
6 | 0
But if you pay it off slowly, you’re paying significantly more interest than if you were to pay it as quickly as possible, so you’ve paid a lot more for your house in the end. On a 500k 30 yr mortgage loan at 3%, you will have paid nearly TWICE as much for your house. Plus what happens if your situation changes down the road, and you can no longer afford the house payments? You will be forced to try to sell quickly and maybe not make as much money as you could have. Or maybe you get foreclosed on. Never a good idea to drag out debt.
4 | 0
He's right about Mathematically not counting risk like losing your job, market crash, any physical restrictions...
| 0
You can say pay it slowly when you’re at 3% and you can make more in the market. Then you have your money locked up and when you take it out, it’s subject to capital gains. Markets can crash to varying degrees and you have lost it. Now you’re broke with a mortgage
7 | 1
The devaluation of currency plays a huge part in it too! A $250 mortgage from the 90s isn’t the same value as $250 in 2020s.
3 | 0
Finally a smart answer! Stop letting other people manage your money for them to make more money with your money!
| 0
I would choose paying my debt off and then invest afterward.
1 | 0
We paid off our mortgage, and I have to say it was a huge stress relief for the whole family. It lowers the risk of what might happen during a crisis such as unemployment and frankly makes life feel less like a prison while working for the taxman. Thats before you consider the positive impact of of having ready money available.
Debt is a trap, don't do it, and if you do, move heaven and earth to get rid of it. You will thank yourself for it.
7 | 0
I would definitely pay off the mortgage because depending on the interest of 3% you will have a bigger debt.
| 0
Difference is that the debt is also effectively tax free increase in your wealth. Most of the time, unless it's a very low interest rate paying off the debt is better
2 | 2
I have a 3% mortgage and could pay off my house but then I wouldn't have much in savings and I'm retired Military with a VA pension. After all my bills are paid, I still cashflow about 1100 a month and have 150k+ invested....that pays for the house payment....I'm fine with that.
1 | 0
People that defend staying in debt have never known people with repossessions and foreclosures. This is wealthy advice. The average person that takes this advice is going to pay double for their house. Get debt free as fast as possible, while maxing out a Roth IRA. Once the mortage is paid off. Pretend you still have a mortgage and throw it into the stock market, or purchase land with the mineral rights, while continueing to max out the Roth IRA.
| 0
I'd love to see Ramsey debate this guy.
11 | 2
But when the mortgage is paid off, there is no monthly payement and that money becomes available for investment. I guess it depends how fast you pay it off but to me what he says is not entirely true
1 | 1
A bird in hand is worth two in the bush. Risk aversive vs gambling.
| 0
Mine is 2.5% and my investments make 17%+. So they'll get their last payment at year 30!
4 | 0
@Partizan-one
1 year ago
You are never guaranteed a return on an investment, but you are always guaranteed to pay your debts off. I would choose paying my debt off and then invest afterward.
93 | 11