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PaperclipPerfector  4mo ago (text post)   3534 thread views

Friday Fun Thread for January 30, 2026

Be advised: this thread is not for serious in-depth discussion of weighty topics (we have a link for that), this thread is not for anything Culture War related. This thread is for Fun. You got jokes? Share 'em. You got silly questions? Ask 'em.

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I pay ahead on my mortgage, and I'm going to say something controversial here.

Sometimes you can do something good, even if there are alternatives that are better. You don't have to violently min-max every aspect of your life. Start with what you can do and are comfortable with doing, and reevaluate later on.

Paying ahead on your mortgage is a good thing. Sure, you could invest the money in something instead and gamble on the gains being higher, but that makes some assumptions. Are you sure you can make the right calls? Can you buy and sell at the right time? Are you confident there won't be any big market downturns like 2001, 2008, or 2022? People will argue that the market wins in the end, but the market is immortal and we aren't. If you aren't itemizing, the value of the mortgage interest deduction isn't there either. To top it all off, the actual money might not be that much different if the mortgage value isn't high, and now you have capital gains to factor in while doing your taxes.

I don't know what your mortgage is, but for me, paying ahead sure was a lot better than doing nothing.

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