Should I Pay Off My Mortgage Early or Invest in Stocks? | The Answer is Clear!

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[@trishcrr]

We paid off our mortgage when my husband was diagnosed with pancreatic cancer. That was three years ago. Praise God that he is in remission and we never regretted paying off our house! Get debt free. It's a great feeling!

[@goggutube]

Praise God indeed, good news!

[@xman7688]

He survived pancreatic cancer? Damn that is one lucky man. God bless you both

[@synergygaming65]

praise the healthcare system and doctors, but yes

[@Barneyjo]

God is King!

[@BryceJohnson88]

I'm 33 with a paid off 350k house. Love it!!! I have peace and I'm very happy. I could have "made more" investing somewhere else. But I'm ok with it. I can now invest more of my paycheck each month because I have no mortgage.

[@clearvaluetax9382]

I'm so happy to hear that, congrats Bryce! Keep up the awesome work!

[@misha-elministries5246]

Very good . Now all you need to do is sell everything you own give it to the poor and follow Jesus Christ. Luke 14:33 So then, you cannot be my disciple (Christian) unless you give away everything you own. John 3:3 Jesus replied, “I tell you the truth, unless you are born again, you cannot see the Kingdom of God.” God Bless , bye.

[@BryceJohnson88]

@@misha-elministries5246 OK. You go first. I give plenty to charity every year. I do not need to put my family on the street for others. Nice try tho. God Bless, bye

[@espinafranco]

@@misha-elministries5246 isn’t it better to teach the poor to fish than to give them fish?

[@esinsafak07]

At 33 bravo 👏

[@sangriabiscus2856]

When making additional mortgage payment, be sure the whole amount is applied toward the principle.

[@daveaglasgow]

Yes, they give you the option to decrease your monthly payment, because that is in their best interests. Many people probably fall for that one. The first time I went in to pay extra they asked me no explanation on how it works, I said pay it off the total mortgage. Saves interest every time you pay in. No issue now as we paid our mortgage off in just seven years. Living mortgage free is definitely the way to go.

[@deviildogg1]

Personally, there is nothing better than peace of mind. I had enough to pay off my mortgage in full in mid 2019 and so I decided to pay it off rather than invest it. It ended up being a good move since we had the massive sell off in March 2020. Once that happened I bumped up my 401k contribution at work to 15% and used about half of what my mortgage was to build an emergency savings and build a stock portfolio.

[@shawnaning101]

Had you refinanced your house in march of 2020 and stuck it into apple you would have tripled that money in 1 year. That is how the wealthy became wealthier in the pandemic. I view my house as a savings account pulling equity when I need the cash.

[@deviildogg1]

@@shawnaning101 I see your point and do agree that I could have made more investing. However, that is never a guarantee and there are more risks associated with that. The way I see it is that if there was a crazy emergency in my life I would need to come up with less money at the end of each month. I also purchased my home in 2014 for $259k and it was recently valued at $538k which isnt too bad. Additionally, not having a mortgage has allowed me to be more flexible. I was able to greatly boost both my retirement and investment accounts over the past 2+ years. I also brought my emergency savings to a good amount of half my annual salary. I have 4 kids man, so eliminating my debt made the most sense in order to mitigate any financial burdens in the near term.

[@eliteusedtires8186]

Shawn, paying off the house was guaranteed savings. Saying they could have invested in something as if they knew the future at the time isn’t a fair comparison.

[@shawnaning101]

@@eliteusedtires8186 I can agree that paying off a house is a guarantee, but to believe the market won't rebound is absurd. It has always rebounded, there will always be trade.

[@shawnaning101]

@@deviildogg1 I understand wanting to be sure everything will be OK. I saw opportunity in March of 2020 just as I do now. I just recently pulled more equity out of my house to buy again.

[@dominiquec6787]

37 yo single mother of 3...Paid off my home in 11 years.. At first was just happy with a normal 30 year mortgage since I was young enough 25....Bought house after divorce in 2009 with 5% interest...Saved 85% tax returns for 4 years & was blessed to buy 2 rental property cash with long term tenants...Took that and tripled my monthly mortgage and paid it off last year! I still work my 9-5 so I have 401k and IRA and company stock..also Acorn for myself and children....So now I pay my mortgage but to myself and collect rental income....This year we started to invest a little more for long term but we continue to live below our means and stay comfortable being at home and watching movies together...We have peace of mind ❤️

[@abrahamwiebe]

Wow, that's amazing. I'm so happy for you. Your children will be blessed to have such a frugal and hard working parent!

[@earthlynnone7383]

What about PROPERTY TAXES going up???

[@sherryobar5750]

Wow, great job!

[@jennyd3440]

You are smart with money and security. Great job!

[@dominiquec6787]

@@earthlynnone7383 Taxes went up slightly, for my main home and both rentals, but I always budget with an increase in mind, especially since I did some improvements and ungrades to my second rental. I'm in the south so no major increase...That's why I save how I save, I can't control it just prepare for it...It's just like Death and and Taxes 🤭

[@stevenmunizich9366]

I paid 50% of my mortgage off in the first 6 years. Because the rule of 78s on mortgages is front loaded with most of the interest, I’ve slowed down on paying off the loan and have been investing more.

[@shrutikat5312]

Agree

[@clearvaluetax9382]

Please let me know what you think is the right way to go, I would love to hear your thoughts!

[@eastcoasttemple2151]

Invest in mortgage as young as possible.

[@michaelm9581]

Nice to get a Sunday video :)!

[@dotcom721]

I will not be paying down my 2.875% loan as long as inflation persists.

[@therapturedmichelle]

do you think putting emergency fund in an I-bond is safe? (of course you can only take it out after a year or five years. I'm thinking long-term)

[@unfairsanic5089]

Im making 65k year but i have an emergency fund and still building it at the end of the month, my parents paid my student loans and my car payment is only 9k remaining and i already have401k only, i dont like to buy a house right now especially the prices are so rediculous.

[@Recovering_Californian]

A paid off house gives you so much freedom and breathing room.

[@hangguy209]

And you won't have to worry if you lose your job. You can work at McDonald's and still make it thru.

[@jamesmcleod6918]

In my personal opinion, it's always better to pay off your house and land. Then, if you decide to invest, and lose everything you put in, your house is still yours. My grandfather always said, "you can't build a life without a solid foundation" that's why I paid mine off 6 years ago

[@TheQuickyouknow]

Losing everything is a very unlikely if you invest in broad indexes.

[@jamesmcleod6918]

@@TheQuickyouknow I'm just saying that if it came down to that, you at least wouldn't have to worry about a mortgage payment. But, once again, my opinion

[@TheQuickyouknow]

@@jamesmcleod6918 That's an irrational fear. Let's just say the S&P dropped to 0, which we've never seen since the index started in the 1920s despite many wars and even a world war that ended in a nuke being dropped. This would mean the collaspe of the US and probably the global economy and infrastructure beyond repair. Chances are the bank that owns the mortgage went out of business so even if someone still had a mortgage on their house there is no one to enforce payments of the loan. So whether you paid off your home or not you'll have much bigger problems then creditors or the stock market. Tbh, it would require global nuclear war or an alien invasion to get to this point. The markets have survived and grown over long periods of time after any other major global crisis.

[@jamesmcleod6918]

@@TheQuickyouknow ok. Invest till your heart's content. Me personally? Not going to happen.

[@TheQuickyouknow]

@@jamesmcleod6918 LMAO, I wasn't trying to convince you to invest. Just pointing out to future YT viewers that this fear you're spreading is completely irrational. Not even the king of dept fear himself Dave Ramsey would tell anyone to not invest to pay off their house.

[@G.george.glass24]

We refinanced last year at 2.5% and 15 year term. Only 14 years left! We bought the house in 2016 so essentially took 10 years off the term.

[@G.george.glass24]

We were at 4.125% before refinancing.

[@clearvaluetax9382]

Nice Mollie Gee, that is also an awesome interest rate!

[@dec1slh]

@@kevinlue4756 theory does not always turn into reality, specially if no using DCA method. If you invest a large amount at the beginning of a down turning market, it takes several years to recover.

[@juliebyun3436]

Who was your mortgage lender?

[@Bambarbia2447]

I'm following the math approach. My mortgage is 2.75% and stock market earns 8-10% over long term. Given lower capital gains tax and mortgage interest deduction, the difference is significant and choice is clear - paying off cheap mortgage is waste of money. However, I completely understand that many want peace of mind in having fully paid off house. Especially if you are near retirement age and market investments become too risky.

[@Smart802]

How about if it keeps on crashing and you loose money even after decades and decades 😂

[@yunx3997]

Capital gain tax is not low, right?

[@NurseJake]

​​@@Smart802This scenario is possible if you don't diversify correctly. However, it is very unlikely to happen over decade(s).

[@dtkodak123]

you can get 5-6% CD's now risk-free. Crushing your 2.75% mortgage.

[@Wigwhom86]

​@@dtkodak123girth

[@aware24]

I lost 40K investing, should’ve put it towards my mortgage, investing isn’t guaranteed.

[@cancel.lgbtq.6892]

Hmm it depends on what you investing in.

[@baseball741]

How did you lose 40k? Were you day trading?

[@WeedmanSmokes805]

@@baseball741 if this person has over 200k invested it wouldn’t seem that crazy honestly

[@baseball741]

@@WeedmanSmokes805 There's a difference between actual long term investing and day trading. If you aren't planning on retiring anytime soon then taking advantage of this bear market is a no-brainer. Just take a look at how the S&P has rebounded after recessions.

[@WeedmanSmokes805]

@@baseball741 of course

[@deepasethi16]

Thank you! This question always used to bother me. You explained it so well.

[@DEEZEEMTB]

I hope everyone appreciates this straightforward and sound advice. Excellent!

[@chewie94116]

That is the BEST and SMARTEST answer I have ever heard on PAYING OFF MORTGAGE VS INVESTING.

[@Horizon3165]

Thank you much. I have been researching this question for sometime and not a satisfactory feedback as I needed to have. Your explanations were to the point and easy to understand.

[@bongbin3557]

Sad to hear that 64% of American s are living paycheck to paycheck . Came here in 1979, joined the military and bought a house here in California. Paid it off in 19 years. Retired at age 56, from military and post office. Life is good when you planned your future.

[@kalatitati8795]

Life is good when you look around and learn. I would said there's my two cents but I save every single penny. 🤪

[@ttdur8102]

Life sadly doesn't always go as planned. But congrats on your retirement 😊

[@rubyoro0]

Finally, someone that has a brain.

[@neskorock]

My mortgages is 2.1% rate. 15 years, I can payoff, but I think I will just keep the cash for the opportunity coming up.

[@sct4040]

A 1 year Emergency fund.

[@G.george.glass24]

Fantastic rate! Good for you!!

[@docsays]

With a rate that low I would just keep & wait till it’s paid off

[@fdllicks]

Lucky bastard!

[@forextrader6038]

pay off the mortgage. I've been mortgage free for 5 years now

[@G.george.glass24]

This is where I want to be!

[@clearvaluetax9382]

Congratulations Forex Trader! Thank you for sharing that great news!

[@forextrader6038]

@@G.george.glass24 my spouse and I lived in a house while we were flipping it and sold it during a bidding war on the house. With the proceeds from the sale, we purchased a foreclosure and flipped that and decided to stay, no mortgage.

[@mytrureviews]

I’m new to your channel but I love the information and advice that you share and give. Keep doing what you’re doing.

[@MarcelHoskins]

I'm a 27yr old guy in Chicago working in Tech! I THANK YOU Brian for giving this information out. Just landed a dream job and not sure what to do with the money until I found the channel

[@clearvaluetax9382]

Congrats on the dream job Marcel! That's awesome to hear and I'm so happy for you!

[@joefuentes2977]

Yolo into DOGE

[@jameswaer9276]

Cheers

[@revans7240]

I could get better returns if I invest vs pay down mortgage. Yet, I have decided to pay off my mortgage because it is a defined goal that is fully in my control. As I see it melting down with every lump sum and double up payment, I am motivated to work more OT and grind. Once it's paid off I will shift focus to extra investment contributions.

[@CJ-vz5bl]

​@@johnb1567with 7% mortgage rates yes it is

[@flyfishing1776]

ALWAYS words of Wisdom. Thank you 👍

[@sarahparker4108]

Thank you thank you!!That is exactly what question I have!!Needed this video!

[@figy1288]

I really enjoy these examples, over the past year I've looked over my debts, spending and comparing on how things end up with different decides. I've came to same conclusions for some of these but I'm still learning other little things.

[@carlngatai7201]

All the number crunching is great, but most wealthy people paid their mortgage off early rather than investing in some financial product. Everyone thinks they're smart with their investments,until the market eats them up. If you want to be wealthy,adopt the habits of wealthy people (note:"wealthy" doesn't mean billionaire)

[@tahh6811]

I just found your video, so glad I did. You explain nice & clear. Thank you for sharing

[@dotcom721]

Thank you Brian for ending the video with “keep up the good work”, because it really does take a lot of hard work, dedication, and sacrifices to even be in the position you’re describing in this video. So thank you.

[@GoodGuysCarry]

Thank you for the honest, clear and succinct information!

[@gazzareece7082]

I had my house built custom for me, paid cash, never a mortgage, life is good.

[@clearvaluetax9382]

That is awesome Gazza Reece! We are very happy for you!

[@SilverHawk214]

That's the dream!

[@Catsday]

I want to be just like you when I grow up.

[@HamaP]

This was hands down one of the most informative financial videos I've ever watched! Keep it up, Brian.

[@tinkeralexander5639]

Thank you for putting the emotional part into this equation. Debt free is a major life goal for many people, and worth the maybe profit of investing in stocks. Always having an emergency fund is very important, but paying off your home will always benefit you. In the long term, house values rarely drop, and money in your house can pay off more over the long term.

[@deborahwaldrop6334]

So 👍 right

[@deborahwaldrop6334]

My daughter and my son in law paid off their mortgage a few years ago. The benefit is so great for them. The property tax has increased in their subdivision so much in last 2 years. If they had mortgage and this high property tax plus all the other homeowners plus mud tax plus HOA. They could not afford to keep their house both 53 still have 3 boys at home in school. Whew......

[@Hobart339]

Thank you for the vid. Straight up good, easy, clear advice

[@earitch5856]

This really helped clarify some questions I've had given my situation. Thanks!!!

[@jttasb]

You provide much needed information in clear manner. Simply excellent. Thank you.

[@clearvaluetax9382]

Thank you for that super thanks jttasb, that is so generous of you! I appreciate the support so much!

[@stylianoschiotis5191]

I love your attitude and way of explanation !!

[@jkopvo]

Some good points - thank you!

[@Linda-pt9bm]

Fighting 8.3% inflation (more like 35%) with a 1% Fed funds interest rate is like stopping a forest fire with a bucket of water. Folks prepare accordingly. Make investment in other not to depend on the government for funds

[@rashid8245]

I agree with you and I believe that the secret to financial stability is having the right investment ideas to enable you earn more money, I don't know who agrees with me but either way I recommend either real estate or crypto and stocks.

[@anita4067]

@@rashid8245 Investing is how you create Wealth, I started investing from pandemic crash,and I archived alot investing in cryptocurrency

[@xavi3690]

People are ignorant of the high profitability in crypto and that has been the major issue limiting their profitability

[@tomandersensmith9234]

so everything? :)

[@bingeonomics]

Great breakdown on this question. Thanks!

[@RetrieverTrainingAlone]

The other consideration is prepayment is towards principal while in the first 10 years most mortgage payments are paying the interest.

[@Richard-oh1vr]

This is like is a glass half full, or half empty. If I myself had that kind of money or cash flow, I would pay it off and have it out of the way. Pay it off!

[@TDARazor]

thank you for the tips Brian! this is super helpful.

[@G.george.glass24]

Awesome! This is a great question!

[@clearvaluetax9382]

Thank you for getting here so fast Mollie Gee, I hope you have a wonderful rest of your weekend, happy Sunday!

[@intellect_42]

Great video! Thank you for your insight!

[@georgeleloudis6160]

me and my family really apricate you your channel and your person!!!! awesome information god bless!!!!

[@OneStepForward-DrSanaa]

Best video l watched on this subject, so far…practical, factual and easy to follow. Thanks

[@bobfrausto1597]

Man I really enjoy the way you explain things thank you

[@KalanoiUS]

Great advices,totally agree with you. I’m doing both setting aside to invest and put some money toward mortgage as well.

[@newagain9964]

Tema mortgage all the way…but depends how much u owe and the COL of the area to

[@jnkoa33]

Very good video! You answered my questions and much more! Thank you very much!

[@antonioglenn8676]

Great video and easy to understand for a topic that gets muddy. I'm all about being mortgage free!!

[@mattclark2655]

I just do both... 15% of my income in my roth 401k. $200 a month into my investment account. My mortgage with everything rolled in on a 15 year is $915 a month... I pay $1060. So I have a little over $140 a month extra going towards principal and slowly chipping months off my mortgage. I have no other debt. I will be 100% debt free by the time I'm 45... at the latest.. then I can start investing 30%+ of my income in investments and retirement till I'm 62. Lol even then I will probably work 10 hours or so a week. I'd get too bored doing nothing.

[@Semiam1]

I do the same.

[@Gr3ggyBoy66.]

The way the world looks, invest in some food.

[@RedDragonProtection]

Thank you for breaking this down so well.

[@jasonxu9868]

Clean and Clear! Great video.

[@zrobert66]

Thank you Brian Blessings to you brother

[@andiebaer]

Thank you for your good financial advice and objective News reporting😊

[@srodriguez591]

Always great info from this channel

[@timjones5633]

Excellent, thank God I am completely debt free but, I have kids I sent this talk too and they are ibn their twenties and have never heard this info. Thanks, and best to you

[@scottiecrook7898]

Happy Sunday, Brian! Nice to see you on the weekend!! 🤘🦌

[@clearvaluetax9382]

Happy Sunday Scottie! It's nice to see you too on the weekend and I hope you have a very nice week!

[@derekrab803]

You are awesome. Thank you for this.

[@Gagaloon]

Thanks for the information.

[@kdefensemartialarts8097]

Oh my gosh! So easy to understand, thank you!

[@DLIX2DCLI]

When I saw the title I immediately thought it was a question someone would call in to ask Dave Ramsey lol. But Brian is a smart man he would be able to help answer it.

[@taylorbug9]

Far smarter than Dave Ramsey I'd say.

[@brendapace5115]

Dave Ramsey would not have given the other options in the way Brian has.

[@moneez8886]

Thank you so much for your videos

[@clearvaluetax9382]

Thank you for all the support Moneez, I appreciate it so much and wish you a very nice day!

[@markculbertson6757]

Thank you for the update Brian appreciate it buddy

[@clearvaluetax9382]

Thank you Mark for all the support, I appreciate it very much and wish you a great week!

[@markculbertson6757]

@@clearvaluetax9382 your welcome and I hope you have a great week also

[@alejandrahowell2057]

As usual I learn so much with your videos Thank you 🙏

[@j73stuart]

very well done, I always enjoy your content.

[@Warlowisnumberone]

Great video! Thank you for your clarity around the interest rates on mortgages and when it’s better to funnel the extra cash into the mortgage!

[@gregspeth7910]

Every $400 I pay extra towards principal, saves me $2400 of interest 6% loan

[@stevehammond5228]

Thank you for the clear explanation.

[@a1parra]

Thank you Brian for all of your help

[@clearvaluetax9382]

It's my pleasure and thank you for all the support a1parra, I appreciate it so much!

[@jammagatv8998]

Love this channel 🙏🏼 best advice 💯💯

[@vessietaylor2938]

Pay off mortgage or they will take your house. They might make a new law to steal it anyhow but at least you'll have a place for awhile

[@norired3907]

This video gave me the answer I was looking for. Thank you

[@deannekroeger3178]

Thanks, Brian for the update 😃 👍❤ and Have a very nice day too ❤️ 👋

[@clearvaluetax9382]

Hi Deanne! Thank you so much and I wish you a very nice week!

[@t-fuelernienotoriousmisfit7449]

VERY GOOD And practical useful advice thank you very much 👌🙋‍♂️💫

[@tomandersensmith9234]

Great advice! "After taxes" is the mantra I'm taking away from it. Not that we should time the market, but entering bear territory might be another suggestion to invest. It's great how you emphasize consulting the math as well. I think people have a warm, cozy feel good sense they are paying down debt/mortgages when it may not be in their best financial interest to do so.

[@gmotif6]

Thanks for this!!

[@clearvaluetax9382]

It's my pleasure and thank you for all the support Lefthandmusic24!

[@richardrossi2030]

This guy is just Awesome! Trust worthy Simple And tells you things that matter!

[@clearvaluetax9382]

Thank you for that generous comment and all the support Richard, I appreciate it very much!

[@willymaykit1482]

Fact check him sometime with some real data.

[@richardrossi2030]

@@willymaykit1482 I do ots called honesty and integrity. Which is more then you get from news anywhere.

[@User-wo4vh]

Thanks for the info very helpful for me

[@bananadude9642]

Very straight to the point. That’s why I love your vids.

[@MarcPage]

There is another factor to take into account. Say you pay off your mortgage in 3 years and then take the majority of the money you were paying on your mortgage to invest. You would do *so* much better than investing before paying off the mortgage.

[@KneelBeforeZod.]

Funny you say that. I did exactly that. Paid off my mortgage in just under 3 years and then started investing all the money saved by being mortgage free.

[@danteeightsix9069]

The problem that I see with investing in stocks is that you will never see that money. Whatever money you receive from it, you're going to want to put it back into buying more stocks. I'd rather not owe money than to make money I can't even use.

[@steam4414]

One of the most instructive video I have seen. Short and consice ! I am blessed to be better off from the 65 %. Muchas gracias 😊!

[@sherrygrimes2300]

You are so intense. Great videos!! Thank you.

[@stewmanism]

General rules of thumb with investing: you will, on average, make 7% profit per year. You will double your money every 7 years as well. Also, the gains are logarithmic as you earn some money then you earn money on that earned money investing. Also, I wanted to dump 50k into Amazon, Delta, and FedEx in March 2020. Wife said no, would have made 100k.

[@victorbetton9198]

Great info bro, glad you’re giving unrealistic info to people, proud of you bro 😎

[@nosvibes9786]

?

[@isaachunt5799]

PAY IT OFF ASAP. paid ours off in 10 years flat 6 years ago. we have lived like royalty since that day. get rid of ANY loans ASAP. all the time you owe money that person has you under their control

[@kindredhawk]

Spot on. Great video.

[@JonesRealEstate19]

Thanks,Bryan.

[@dorotheawinn1506]

Good Info!! Good to pay down debt 1st as much as you can then invest where feasible to do...And I agree keep emerg fund cus nothing is promised no matter what you do with your money even the money itself !!😇😊

[@StevenSeven]

I am so glad I found this video today. I have saved enough to pay off my mortgage but, with the stock market down, I was thinking about investing in stocks instead. After watching your video, I will pay off my mortgage which will make me 100% debt free. Then, I can invest the old mortgage payment amount each month. (dollar cost average) Thanks!! 👍 New Sub here!

[@ychongy]

Good choice. You will lose money in the stock market. DCA

[@callmeishmaelk767]

Just because stocks are down doesn't mean they can't go much much lower

[@eefunhuang6958]

This is probably the best video explained the topic! ❤❤

[@AndraeRansom]

Always make sure you have a roof over your head that is debt free!

[@sukie230]

Brilliantly explained ! Excellent clear valuable thoughts and ideas ! Concise and to the point ! 🤩

[@skychuter]

This video set me straight from all the other advice...your videos are easily understood...and your time is invaluable to us seeking good sound advice! Thanks guy, keep up the much needed advice you generously give!

[@juliehert6844]

Absolutely EXCELLENT TUTORIAL!

[@jameschaves5723]

I have never seen a more informative answer to this question!! Dave Ramsey needs to get off his high horse and watch this. So many factors go into this question. Outstanding answer Brian. Personally, I do both. I’m trying to cover all bases.

[@broadboard9571]

Finally the first video I've found that presents both sides of the argument, rationally. Thank you.