Should You Pay Off Your Mortgage Early or Invest? (Real Life Example)

Should you pay off your mortgage early—or keep it and invest instead? In this video, we break down both sides using real numbers based on today’s interest rates, expected investment returns, and even a real client scenario. You’ll learn about mortgage efficiency, how to compare debt costs to investment potential, and the emotional side of being debt-free. By the end, you’ll know exactly how to decide what’s right for your situation—whether that’s paying it off, investing the difference, or taking a balanced approach.

#mortgage #mortgagetips #personalfinance #mortgagepayoff #financialplanning #realestate #investing #mortgageadvice #debtfree #financialfreedom

00:00-Intro

00:28-Mortgage Efficiency: The Debt That Actually Makes Sense

02:35-Step 1: Get Clear on Your Monthly Cash Flow

03:15-Step 2: List Out Your Assets and Debts

05:10-Step 3: Estimate Your Investment Returns

06:20-Step 4: Compare Loan Costs vs. Investment Returns

10:05-Step 5: Consider the Emotional Value of Being Debt-Free

12:00-A Smart Middle Ground: Accelerated Payments vs Investing

15:20-Final Thoughts

How Much Should I have in my Emergency Fund?: https://www.youtube.com/watch?v=rym_F9nnnVw

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[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.

I provide financial planning for business owners and their families that makes sense.

Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.

We strive to help you:

*Optimize Your Cash Flow

*Minimize Your Taxes

*Build Your Net Worth

*Create a Lasting Legacy

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