Originally Posted by
Gunfighter
Your approach is more like a bond allocation as opposed to an all-out assault on a low interest home mortgage. When your choices are pay off a house or build a 6 figure emergency/investment fund life is good.
Thats a great way to put it. My extra mortgage payments are in lieu of other conservative investments. The only bonds I have are in my MBCBP and part of my emergency fund, and I’d rather pay down my mortgage than own more bonds.
the closer my mortgage rate is to 4% the less I would put towards it, it it was below 4% I would not pay any extra.
and I wholeheartedly agree with your last sentence, it is a great predicament to be discussing.