Paying off your mortgage early - Answering Your Questions / Ask The Money Nerds

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DISCLAIMER CONT'D: Garrett Gunderson is not a licensed financial advisor. He is an Entrepreneur, Wealth Strategist, and Author of the New York Times and #1 Wall Street Journal bestselling personal finance book - Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperity. He is not providing you with financial advice in these videos. This video, the topics discussed, and ideas presented are Garrett's opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

[@Rachels123]

I paid off my mortgage 35 years ago when i was young, and at the height of my earning years. All the years i have lived in my house i never worried if i got sick, never worried about getting fired or quitting my job. Think about all the unnecessary insurance i saved, Think about all the interest i saved. Think about when i sell i get 100% of the sale. Pay off your house, it pays.

[@jwill9877]

What year did you buy your house and for what price?

[@PawPaws_Place]

@@jwill9877 I was wondering the same thing. My first house cost me $24k. My next house cost $67k, then $120k, then $200k and then $280 and now I’m building and it’s “how much!?!?” lol things change and we have learned better ways and every situation is different for each person.

[@ronaldsneller1989]

Yeah lol no crap, a house 35 years ago could have cost $25,000

[@steve-0g466]

35 years ago lol. Imagine if instead u bought 3 homes and financed all of those. How much wealth u would have

[@octaviousmotley7653]

It makes total sense forreal it do

[@jeffhudson2346]

The biggest upside of the paid off mortgage is the security and opportunity to do other things with your income.

[@edwardlopez9061]

Nothing beats a paid off house. Peace of mind, largest expense GONE, no longer in debt so you now have cash, etc...

[@joshoneil5387]

True word, I think that many people know how to take advantage of the great moment a certain stock or commodity will attain over a certain period of time

[@ronaldsneller1989]

Nick did you watch the video? I'm guessing maybe not... how long is going to take to pay a house off? 15 years, and THEN begin saving cash? Why would you work so hard to pay off a 3% interest loan when Inflation is 2-3%? You're basically borrowing money for free! Meanwhile you can save NOW, and create plenty of liquidity. THAT is true peace of mind, not eating rice & beans for 15 years, hoping it will all work out. I never plan on paying my house off.

[@Jonnynava]

I’m paid off my home right off the bat , I don’t regret it one bit

[@izzyp8784]

@@ronaldsneller1989 so at retirement you’ll still plan to have a mortgage payment? I invest 15% of my income and refi my mortgage to 10 years. At 43 I’ll own my house and focus on putting my kids thru college.

[@snellerfinancialservicesll5303]

@@izzyp8784 Congrats, if that's what you want to do. But at long as rates stay reasonably low, I'll utilize home equity debt to acquire more assets. You do you... but I don"t understand the rush to pay off a debt that is so low instead of saving that money

[@helenachase78]

I have 8 houses and paid them off by about age 45... I know it was not the greatest financial decision possible but having 8 houses no matter what is a huge hassle and not sure it's been worth it. The mortgages were a burden on my psyche. Chasing wealth is a drag...

[@EE-zf1lw]

Congratulations but you may have saved me from going down that fast track to acquiring properties.

[@helenachase78]

@@EE-zf1lw I often think of the young ones full of optimism as I was.....

[@TexasEmperor]

Peace off mind...if one gets that by paying it off early, good for them, but don't risk emergency fund. Good video!

[@txelmore]

“The borrower is slave to the lender”. I am paying off my mortgage even though I have a 2.25%loan, because I don’t want even 2.25% of me to be slave to anyone. That’s just me however.

[@ronaldsneller1989]

False narrative. But if it makes you feel better, you do you

[@danicha1464]

I agree 100%

[@jonnewbury3482]

Debt free is the place to be!

[@txelmore]

@@ronaldsneller1989 so what your saying is a Biblical principle, therefore, necessarily a truth principle, is a false narrative; hmmm...

[@ronaldsneller1989]

@@txelmore Jesus said that he came to give life, and give it more abundantly. So who is really the slave here? You, stuck in the rat race, with a mindset of scarcity and fear. Who is living more abundantly? Me, intelligently using a TOOL to build a business, acquire cash flow producing assets, improve my liquidity position, and thus true freedon, security and abundance. There's a difference between good debt and bad debt. I don't care that Dave Ramsey says differently.

[@Mike-hz4cp]

I paid my mortgage off early. I love the peace of mind and I am more willing to invest in other assets. However, rent where you live and buy homes to rent to others.

[@victormendoza3295]

Awesome! I'm getting close myself.

[@Jonnynava]

I paid off my home cash I don’t regret it, I just worry about property taxes at the end of the year . I have enough liquid capital to buy more properties cash but my next step is getting loans thru my corporation to leverage my money and buy real estate properties. The sense of feeling I don’t have to pay a 2-3k in payments is wonderful .

[@jwill9877]

Those corporation loans are not going to look pretty compared to a conventional 30 year. Just saying. Of you got the cash to waste on a higher interest rate, and balloon payment in 5 or 10 years then go for it.

[@mpjhockey27]

Completely agree Garrett. Not a one size fits all plan for everyone. My situation and cost of money is on line with your path, but for others they might take the Ramsey approach and is right for them. Get educated and find what works for you!

[@joshuawdandridge1593]

I love that you address listeners questions

[@GarrettGundersonTV]

We enjoy hearing from everyone. Thanks for listening.

[@TimErwin]

Love you, Garrett! I've been learning so much from your videos. Other financial gurus advocate paying off debt as opposed to investing, so your take on this is pretty fresh. I guess they advocate this because proper investing is harder to explain to the average person compared to just telling them to pay off debt.

[@77Tadams]

Peace of mind is a good thing.

[@GarrettGundersonTV]

Most definitely!

[@thomasm5922]

How you go about it is the key. I had a 30 year mortgage. At year 13 I decided I wanted it gone in 2 at retirement. built cash and sold a piece of property. Made a balloon payment and got out. That's a $1000 monthly annuity with 100 % guarantee. A bit more peace of mind. Sure glad I made that decision March 2020 24 % loss in a day on my investments.. 6 months for my portfolio to recover. Lived on cash during that time. I think you are giving great advice.

[@_JohnJohn_]

Our home will be paid off by end of this year...$300+ added to our net worth after 5 years of owning home. Now we will either invest in other real estate vehicles or stocks..... with no fear of what if because we will always have a home.

[@izzyp8784]

Having a small monthly payment and no savings does not mean you will not be affected job wise during the next crash. Most people have credit cards and student loans as well. The best way to make your money work for you is to pay off the loan and then use the cash to invest. I’m 5 years out on my loan so much like you I can pay for my next investment in cash.

[@MarcioSouza1]

What you described is definitely not necessarily "the best way" at all. He explains this in the video.

[@DavesShop]

5 years to retirement paid mine off and now adding the payment to my IRA and roth accounts

[@martinbayha9999]

To 34:45 min question. I bet he is in Australia. We do have so called offset accounts. Which are savibgs accounts connected to you mortgage account while still owned by you. The amount in the offset acc‘s is deducted of the principal owing therefore, especially in the first few year extremely cuts down on interest portion of the „repayment“ amount.. We got great results with this and 100% offset our interest payment for almost 1/2 year, dropping the owing principal and therefore amortised interest for the remainder of the loan down significantly. All the rent payments we recieve get pooled in the offset account as well and therefore while in there (interest being calculated on a daily base on outstanding principal) makes a hughe difference for the rest of repayment sum total. However, I agree. As soon as another RE can be financed it is way better to allocate funds to extrapolate earings instead of limited savings. Greetings from Perth, Western Australia

[@bkittle13]

Great video Garrett! One thing that may help some visual learners would be to show a side by side difference of the compounding. Bust out the spreadsheets. (KZbin audience)

[@GarrettGundersonTV]

Great tip! Thanks for the input.

[@drrush3421]

He made a very important point @12:40-13:00 which she cut off. If you negotiate a lower interest rate, do something productive with the savings, even if it’s just an emergency fund

[@donatelloslappafello1108]

Im 52 and sort of gearing up for retirement, having no mortgage is good at this point for ME. I understand the math and there are different ways to skin a cat, a lot of long term goals results are based on not specific actions but how you use your strengths to complete the goal or task. If you are a singularly focused person and you just hammer out your mortgage at 30 or whatever than you go hog wild doing the "next thing" thats a personality type and its pointless arguing what make more financial sense at that level. That is like arguing if owning a gun makes someone safer, or if wearing a mask makes someone safer, these are mental issues as much as they are financial issues

[@GarrettGundersonTV]

Peace of mind is one of the most important considerations. Great that you have the self awareness of what works for you. Congrats.

[@northwestgardener5076]

They say people will own nothing and they will be happy,,,??? I paid mine off so I geuss I will be miserable in my paid off house,,, the grass does feel better in a paid off house though.

[@bluecollarbullionballer4269]

It just a personal choice the price of peace of mind is infinite return for us.Yes we invest the payment,cashflow bank ,stocks,and precious metals.

[@ryanburtonRE]

Pay off your home, have 100% equity, what happens if you lose your job and need to access it. Try getting a HELOC when you’re not employed when you need it? Good luck!

[@GarrettGundersonTV]

Best way to pay off the home?

[@shockwave1126]

Or they could try reverse mortgage if in that situation ?

[@brianadams6204]

If something that bad happens and you don't have an emergency fund then just sell the house..

[@thecontrarian9933]

After the up side and down side it's always better to not have dept.

[@96ej]

Something that each individual needs to consider is if your investment is making 4% and your interest rate is only 3% is the risk worth 1%, and then you need to run the numbers on what the spread is of how much money that 1% is

[@GarrettGundersonTV]

Good point. Risk matters and so does peace of mind.

[@thepassiveincomepros5946]

We are always paying a cost of money and everyone has a different situation. Inform yourself and make the best choices you can and be kind to others along the way.

[@GarrettGundersonTV]

Everyone has a different cost of money based upon opportunity, skill or loans. True. Make your best choices and know you will make mistakes along the way. So be kind to yourself and others! Good point.

[@bojiam4818]

Dave Ramsey(in Walter white voice): SAY MY NAME!!!!

[@MrCountrycuz]

Heisenburg!

[@squiggle1020]

Refinancing to 2.75% and taking out cash. That cash is going to earn about 6% on the conservative side. What is better pay off mortgage or earn more?

[@josiahholland9927]

Hello Garrett speak of not trapping your money so you can access it. Have you seen what the have going on at Blockfi they pay you monthly interest dividends if you need you digital currency with them. They also let you borrow money agenst it at a rate lower than they pay in interest. It sounds a lot like cash flow banking that you talk about. I watch most of you videos an love the content you put out. Thank you!

[@truthseeker4807]

I’m still going to pay my house off I never seen anyone who regretted paying it off! Look how many people are going through foreclosure! I’d rather not be in that situation! Invest and pay it off at the same time!

[@GarrettGundersonTV]

There is the method and the objective. Your objective is to pay it off- great. Now it is about the safest and most efficient method to get you there.

[@williamsmith3331]

I used to be all about paying off my mortgage. Very risk adverse and wanted the guaranteed interest savings and lower operating costs. Recently I changed my ideology. I'm investing my extra money because I believe that having the money to pay off the mortgage Will bring me the same peace of mind as having a paid off mortgage. Let's say I have an extra $1,000 a month to put on a mortgage. Instead of locking that money up in the mortgage I could put 500 in the stock market and maybe another 500 in a less volatile vehicle with a rated return comparable to the mortgage. If I run on hard times then at least that money is not locked up and I can float the mortgage payment. Ideally that money will grow to an amount which the interest covers the mortgage payment and have more than enough inside to where I can wipe it out if I want or need to.

[@GarrettGundersonTV]

This is well said. It is about peace of mind, liquidity and economics. I personally wouldn't put it in the stock market, but you are smart to have it somewhere that is safer with part of the money as well. This comes down to a personal choice and you have really thought through it.

[@anniealexander9616]

I paid off my 3rd single family home in 2019. I think people, who pay off loans early, have more of an investor mindset, than someone who keeps a 30 year mortgage. Stocks are on sale this week and I'm buying as much as possible. My friends with 30 year mortgages aren't buying this week at all, except through 401k. If real estate even comes back down to a reasonable price, I'll buy a beach condo. I have no problem leveraging for a good deal.

[@MarcioSouza1]

Yes, but you can only invest more AFTER you've already paid it off. Had you been still been paying, say, a 15-yr mortgage, you'd have less money to buy stocks now, vs someone at a 30-yr (all other things the same). And while you were paying a faster mortgage, the same was true: you could've been investing more back then. The SP500 has gone up ~400% since it rebounded from the 2008 crash. Someone who, instead of paying their mortgage faster, put the different into the SP500 instead, or some other major fund, would've come out ahead by A LOT. As he explains in the video, paying more monthly, so you can pay faster, has a cost of deferred investment. The math is fairly simple: If you can receive a higher return than the interest on your mortgage, you come out ahead, period.

[@anniealexander9616]

@@MarcioSouza1 No! The math isn't that simple! First! I bought my 1st property at 19 years old. It came with a guest home in the back. From day 1, my tenants paid half the mortgage. A little over a year later, I rented to new tenants who paid more than half the mortgage. I had that property paid off at age 24. I was also raising two children. My next property was covered 100% by my tenants. I was working lots of ot and paying 3 payments a month. I made a mistake and sold it when baby #3 was on the way. Never listen to a man. My next property was bought during the crash. It's was $113k off its original appraisal. I paid $69,150. Tenants from my other property covered the mortgafe. Bought in 07. I bought my next property in 08 for $50k. Did a refi and my 15 year mortgage was $738.95 on both properties. I had enough income that I was a stay at home mom for several years. I gave my 1st home to my oldest daughter. She has been living mortgage/rent free since age 25. I've been back at work since Aug 2018. This past week, I put $1770. Into my brokerage account. That didn't include rent because I had to pay off my credit card, give my youngest daughter money for bday, pay the water bill, and I've held back $250 to pay my tax guy to do me and my son's taxes! 30 year mortgages are very harmful to a person's finances. It makes them feel they can afford more than they actually can. When I was 24 years old and paying off my mortgage, I knew very few people my age who even owned a home. Most were renting or still living with mom and dad.

[@louisiusj]

@@anniealexander9616 woah this is such a cool story

[@MarcioSouza1]

First, it's excellent that you already have this much wealth accumulated. Truly super happy for you. However, I don't see how the details of your situation support your claim that the math doesn't work like it does. If you do the math with paying your mortgages faster, vs slower and investing the diff in SP500, for example, it's clear that you come way ahead in second scenario. Now that doesn't mean that thats always overall better. Risk adjusted growth is what matters, and if you want to optimize for very low risk / very high piece of mind, then paying off mortgages faster makes sense.

[@anniealexander9616]

@@MarcioSouza1 Who are these people who invest the difference? I've never met one! So they check the payments on a 30 year vs 15 and transfer the different to a brokerage account each month on the same day they pay their 30 year mortgage? There are more ways to invest than just the stock market as I just explained. Real estate pays pretty good "dividends" each month! People I know who have 30 year mortgages, refi and use the equity for a higher lifestyle. Just because you have a 15 year mortgage, doesn't mean you can't invest in the stock market!

[@ISILENTNINJAI]

I have a 2.5% interest rate on my loan. Over the last 2 years i have only Been paying the minimum and nothing more. 1120$ payment. I invested the extra money of 600$ dont regret it one bit. Those 14,400$ are worth 40k right now. That my peace of mind. In 10 years i should have enough money to convert my growth stock portfolio into a dividend income and use those dividends to pay off my monthly payment.

[@Savannah-ed4rv]

What about using your Heloc to pay down the mortgage? If it stays open and you pay it off quickly velocity banking you do save thousands of interest. At the end you're mortgage free and have your equity or equity line available. But I see Garret's point of having your investments and savings available earning good interest since the money you put on your mortgage is no longer available.. Also, mortgage interest is tax deductible, so there's that!

[@mariamarquez4769]

How about an AIO all in one loan?

[@garyhurstjr512]

We will never payoff our mortgage. We use the house(s) rentals too!, as banks with refi cashouts which is a tax free event. But, I do understand those that want a piece of mind.

[@johnwebb7163]

Love your content Garrett! However, you speak about the opportunity "cost of capital"... what about the fact that everyone has a "cost of living" expense? Wouldn't that be a factor in your primary residence? I totally agree with you if it additional capital and your living expenses are taken care of.

[@GarrettGundersonTV]

Definitely a good point. Yea. We all have a cost of living. And knowing what that is and comparing as a "hurdle rate" for comparison is wise.

[@johnwebb7163]

@@GarrettGundersonTV I hope this is really Garrett. You are the freakin MAN GARRET G UNIT GUNDERSON!!! 💪

[@smjones007]

Would you advice be different if we didn't follow Keynesian economics?

[@GarrettGundersonTV]

How so? What do you mean?

[@smjones007]

@@GarrettGundersonTV A lot of our tax law and economic policy promotes being in debt. A lot of what you said also advocated that, but some of it pointed out how different things could be if people behaved differently. As I pondered this video more (after I posted the question), I realized the answer would be "no" because you tell people to figure out --do the math-- what would be most advantageous to *them* regardless of any current policy.

[@ltgemini1599]

Trying to figure out this very thing. Im 50 Mortgage under 3%, balance $115k 25 yrs left, just rolled over a 401k of $200k but thinking it should be an IRA and have about $15k+ to invest maybe in a brokerage for accessibility. PS need a car. Im in the duct tape stage but holding on. Open to feedback.

[@GarrettGundersonTV]

Get these resources to start. GarrettGunderson.com/richlife and email [e-mail] and I'll make a connection to someone who can help!

[@joseluna5934]

Pay your mortgage early. That math it’s against you because mortgage interest its amortized/compounded in a large sums of money like $400k , you cant compare to put the extra payment in a 10-20% interest and only the $1000-2000 xtra you can invest at the time. Do the math in all financial aspect. Pay it off asap!

[@GarrettGundersonTV]

What is the best way to pay it off?

[@TheSubmissionChannel]

I am paying my mortgage off early. My percentage is only 2.75%; I save over 4K$ a month in my pension and 457(b) before I add to the payments to my house.

[@GarrettGundersonTV]

How about cash flow or saving in something with higher than 2.75 percent yet safer than the stock market that usually fuels 457b's?

[@PawPaws_Place]

Agreed. If you have an interest income of 5% to 30% why would you take that money and pull it and pay off the mortgage your only paying 3% on. One year my interest making money makes me 10% in gains. I pay that 10% on the house. Rinse and repeat until the house is paid off and in the end I still have my money making me money and a paid off home verses just a paid off home. My cake and eating it too. 👍

[@MakeMoneyWorldWide]

Just even everything out, save, save, save, invest, invest, invest, borrow, borrow, borrow, spend, spend, spend... if you know what I mean.

[@processdev8132]

Thanks for the advice or advise information , that coming from me and I am English second language. You can help someone with their spelling in another way, you can respond my comments using the correct word that should be advice I guess?.

[@symonerae07]

To “advise” is a verb. (the “s” is pronounced like a “z” like ‘advize’) Ex. I advise that you don’t pay off your mortgage early. “Advice” is a noun. (The c is soft like an s) Ex. My advice is that you don’t pay off your mortgage early. I’m a teacher teaching English as a second language, students often get confused. English is confusing sometimes! :)

[@happyhappynuts]

Ice is a thing, and things are nouns. ADVICE has ICE in it, it's the noun. Just a way to remember.

[@processdev8132]

@@happyhappynuts thanks 🙏

[@vanessajackson2889]

Do the cashflow networth mathematics first and you will know when to pay our house off.

[@TGIM]

Funny how they assume low mortgage rates for the life of the mortgage. Now were at 8%, should people keep investing at 6% returns?

[@GarrettGundersonTV]

I am at a fixed rate. This has been helpful since I was already locked in. Obviously it depends on what you pay versus what you earn. So make sure to think dynamically and know your cost of money and adjust.

[@Grungefan2018]

Man I wish they just lower the student loan interest rates to something doable. They don’t have to “forgive” them. Just cut that damn rate. Some of us have 7 or 8 %. some 2-4 %. Since it’s a “student” loan makes no sense that they have you drowning in $100,000 at 6 + %. There’s no gettin out from under that if things go south for you at some point. Compound interest is a killer

[@GarrettGundersonTV]

7 or 8 percent is tough. I don't know that schools have delivered on their promise and maybe they should have some accountability and not just the graduates or tax payers.

[@robertdrouin6638]

So what would you use for a method if it was the best solution for someone to pay off their mortgage

[@edwardlopez9061]

use an amortization calculator to figure how to structure your mortgage payments to bring down your balance faster.

[@michelledschwab]

Great financial advice but if you think Olive Garden is great Italian food I’ve got a deal for you on the Brooklyn Bridge ha ha

[@joseluna5934]

You see this people are wrong .. your 1 million examples or paying your 3% mortage early only work if u freaking have the 1 millon cash right and there. Use common sence. Do the comparable only in the xtra money you will put in your house monthly for the early years you set.

[@GarrettGundersonTV]

So what if you use the extra money to find something and then pay off the home? Method versus objective.

[@HooptyHoops]

I had a loan called on me....I'm an investor and the bank bought another bank....they actually called my personal house!!....that was about 13 years ago....

[@isajthereable]

Was it a 30 year mortgage?

[@Mexicobeanpole]

And?

[@HooptyHoops]

Yes, it was a 30 year fixed mortgage. I called a trusted loan broker who completed a refinance in about 5 days and they had to communicate every day with the bank that called the loan.

[@isajthereable]

@@HooptyHoops wow! I’ve never heard of that happening on a 30 year conventional! Sorry for your troubles man. How did you handle it?

[@noveltyrobot]

While thoroughly entertaining and good fun, Ultimately this debate is a lil stupid. It's all down to personal choices.

[@harrisonjamie794]

There are a lot of strategies to make tongue-wetting profit that the average joes don't know. . Personally, the financial-market for me seems the only way forward with my long time horizon (accrued roughly $457k in gains since Mid 2021 ) but if you don’t have that fortune of time it’s a tough market out there almost nowhere feels safe!

[@MarcusFred-wn3iv]

If you’ve got patience I believe it’s a great time to invest… I’m no expert but as Warren buffet said he’s seen this happen a number of times throughout his life

[@harrisonjamie794]

@@MarcusFred-wn3iv I've known I had wanted to start investing for a few months but just haven't been brave enough to start due to the market so far this year. I have $60k I want to transfer into an S&S ISA but it's hard to bite the bullet and do it. $457 is a huge milestone, Please what's your strategy? I will love to have an insight

[@MarcusFred-wn3iv]

@@harrisonjamie794 I began with a fiduciary portfolio advisor by the name MARTHA ALONSO HARA. She’s verifiable and her works ethics is in accordance with the US investment act of 1940. Her approach is transparent allowing total ownership and control over my portfolio with fees very reasonable in comparison with my investment-income. Also, She covers things like investment insurance, making sure retirement is well funded, Go over tax advantages , ways to have a volatility buffer for investment risk. many things like that.

[@harrisonjamie794]

@@MarcusFred-wn3iv Word of the day: fiduciary. do not talk to anyone who is not a fiduciary to you, who explains everything.

[@happyhappynuts]

Imagine having to sit and nod with no real input

[@beachgirl9823]

Is this woman his wife? She’s smitten lol

[@jamesjohnson6272]

Robin hood = robbing from the hood....lol

[@MrCountrycuz]

More like Robin in the Hood!

[@adolisfernandez1321]

Great teacher don’t laugh of someone just correct on the best way, maybe your response can be using the correct word. Good thing that I am bilingual, how about you?. No eres una buena maestra te puedo decir eso.

[@drrush3421]

He made a very important point @12:40-13:00 which she cut off. If you negotiate a lower interest rate, do something productive with the savings, even if it’s just an emergency fund