Should You Pay Off Your Mortgage Early or Invest? (Here’s The Math)
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If your mortgage rate starts with a 2 or a 3, sending extra money on it every month could be a $1,000,000+ mistake over 30 years.
That’s not a typo. On a $400,000 loan at 2.75%, an extra $500/month toward principal saves you about $64,000 in interest. Take that same $500 and put it in the market instead, and over 30 years it grows to over $1.1 million. That gap is the whole video.
In this week’s episode, I break down:
1. Why “pay it off early” feels right but isn’t always the right math
2. The one question that decides everything: your interest rate (2.75% vs. 6.75% changes the entire answer)
3. Why liquidity matters more than people think — money in your walls isn’t money you can use
4. The 3 questions to ask before you decide anything (emergency fund, rate, taxes/penalties)
5. The actual math, side by side, at two different rates on the same $400K loan
6. 4 ways to pay off a mortgage early, if that’s the route you choose
7. The order of operations if investing wins instead (hint: 401k match first, always)
If you’ve got a mortgage sitting at a low rate right now and you’ve been wondering whether to attack it or invest instead, this is the video that’ll actually give you a framework, not just an opinion.
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My mission is to provide my viewers with actionable content that helps them build financial wealth. My videos reflect my real-world experience as a real estate investor, stock market investor, finance major, and entrepreneur.
This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort in every video that I make. I also believe in complete transparency and open communication with my audience.
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. You must conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.
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