Early Mortgage Payoff vs Invest

Why This Matters

Math says invest; sleep says pay off — price both honestly.

Both Ledgers

Rate vs realistic returns spread

Tax deduction reality (post-standard-deduction)

Liquidity kept elsewhere

Psychic dividend valued

Split strategy considered

Gotchas & Consequences

Draining liquidity into equity leaves you house-rich in the exact crisis that needs cash.

The math winner loses if you sell investments every dip.

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