3 Reasons Paying Off Your Mortgage Early is a Terrible Investment

Should you pay off your mortgage early or keep the loan and invest the difference? In this video, we break down the 4 key angles you need to consider. We’ll walk through real numbers, lay out fair assumptions, and help you understand the hidden opportunity cost behind paying off “cheap” debt. But beyond the math, we’ll also talk about how emotions and peace of mind play a big role in making the right decision for you.

00:00 Opening
00:55 Consideration 1: Think about possible returns
02:55 Consideration 2: It’s about your mindset
04:07 You have 3 options. What are they?
05:14 Consideration 3: Don't forget about CPF
06:31 Consideration 4: What if you change your mind?
08:11 Some ground rules for our comparison
09:02 Financial calculation for your 3 options: Which is the winner?
10:27 Conclusion