Paying Off Your Mortgage Early: The Spreadsheet Answer vs. Your Answer

Paying off your mortgage early is one of the most common financial questions, and the answer depends on which problem you are actually trying to solve. In this episode, Ryan uses a $100,000 mortgage at 3% as a case study to compare two paths: paying it off for a guaranteed 3% return versus investing that same money with an expected 7% return. On paper, the math usually favors investing.But Ryan is clear that the spreadsheet answer is not always the right answer for your life. A guaranteed return is different from a variable one, and for some people, eliminating debt provides peace of mind that no investment can replicate. He walks through the risk tolerance, risk capacity, and goal-setting questions that should drive the decision, not just the numbers. This is one of the most honest, balanced takes on the question you will hear.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: [email protected], as always, Stay the Course!