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Should I invest 💰 or pay off my mortgage 🏡 first? Here’s how to decide 👇 🏡 When to Pay Off Your Mortgage • Your interest rate is HIGH (5–7% 📈) • You want guaranteed, risk-free return • You’re close to retirement • You value peace of mind over growth • You already max retirement accounts Paying off debt = guaranteed return equal to your interest rate ✅ 📈 When to Invest Instead • Your mortgage rate is LOW (2–4% 🔥) • You have high-interest debt paid off • You have 3–6 months emergency fund •
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