Originally Posted by
notEnuf
2.25% since 2021... why I'm still paying down principle on top of that, I don't have a clue. Dave Ramsey would be proud and I just don't want a mortgage after I go early. No tax break means no incentive to upgrade to the big house. Kids sports are the staus symbol Rolexes used to be.
Im sure you know this, but you’d be much better of putting the extra principal in a high yield savings and letting it sit at 4.5%+. Use it to pay off the mortgage on retirement day, and you’ll be tens of thousands, if not a hundred grand ahead.
At 2.25%, your mortgage should be the very last thing you pay off.