You SHOULD Pay off Your Mortgage

I see so many posts in personal finance subs of people asking if they should pay off their 2.xx% mortgage and I think the answer should be YES 99% of the time.

I get that the “math” works out to if you have a low interest rate you can leverage that with HYSA or ETFs. But most people asking for help, is not going to change their spending habits. Most asking this question don’t know any better. And everyone is enabling them to spend more money and that debt is okay.

Most people will not let thousands sit in a HYSA for extended periods of time, they will just see everyone say “don’t pay off your mortgage” then proceed to waste their money anyway.

So really, pay off your mortgage and be debt free for once in your life.