Should I Pay Off The House Or Invest?
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- Опубликовано: 2 окт 2024
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Pay off the mortgage and then really ramp up the investing! If anything would happen to her a month from now where she couldn't work, a paid off mortgage would protect her!
But you still have taxes and insurance.
Yeah but taxes and insurance are little compare to your mortgage.
Depends on the job. If you have a job you can’t be fired from, good disability benefits plus supplemental disability like Aflac, and an emergency fund, there’s no need to pay off the mortgage.
@@genxx2724 not true. My ex-wife just had back surgery and her short term disability is about half of what she makes as a nurse herself.
@@tammyhenderson7107 I will take taxes and insurance all day!
I'm so glad they told her to fire her financial advisor. I really hope she has paid off the house now
I hear why this woman been single since 2003 😩😩.
She can't stop talking lol
@@ComixMultiplication Unlike other women😁
Sitting on 160 when house is 100, why hasn’t both a paid off house and investment in mutual happened already?!
She likes paying the bank for some reason?
You didn’t hear dr. John? The loan is nice and snuggly. 😛
Worst case - drop 80 on the house...and get it down to 20.
She may want to have the blanket for security? Like emergency fund? I don’t understand her either.
Teresa is a badass!! She’s killing it and she doesn’t even realize it!
“It’s metaphorical “ lol these guys are awesome!
Pay off the house. Get 100% debt free. The greatest feeling in the world.
Pretty sure this question is asked once a week lol
Yep and then the comments always arguing the same back and forth lol
I can't wait until someone asks again next week!
Once a day
Wanna know what financial advisors do???? They pay off their own houses making money from you 🙄
The difference it makes in your life to sit back and take a deep breath and say you don’t owe anyone in the world anything is unbelievable. This is life advice just as much as it is financial advice. You own the land you sleep on and all of your income is free except for around $5k per year for taxes and utilities.
And that rate is always going up.
@@joshh205 everything is always going up. In most places there is a cap on how much it can go up year over year
$5K in what city and state?
My property taxes are $15.2K a year for both of my homes combined. Southern California.
@@IrisP989 the house in this video she said the property value was $210-220k so her taxes are actually probably way lower like $1k/y. But to answer your question in a more general sense, the average property taxes in America is $2,500
Then Southern California is extremely expensive because one house has a property tax of $7K and the other one was raised to $8,200
If a CD has a higher APR than the loan, put the $$ in CD's earmarked for the mortgage principal.
You have to adjust for your tax bracket first, but yes you can probably even find tax free bonds paying more
Simple. Stop using the coordinatig conjunction 'or' and start using the adverb of time 'then'.
Great job Theresa 🎉
Hope your home is paid off by now! Remember that’s also an asset !
I loved this call
This lady won't be quiet and listen!!
Exaactly, and I HATE when people on this site use this word but, as a Rn myself-she sounds like a lowkey brag call.
That surprises you???
Feel the same. Feel better that I m not the only one.
Regardless of whether you agree with the advice, not all financial advisors work on commission and make more money just because you invest more.
That’s why I stopped taking these clowns seriously. They’re trying to get on Ramsey solutions and act like they’re some charity. Just a couple yes men to Dave Ramsey cause they can’t think on their own.
There is a difference between a financial advisor and a fee only fiduciary
Yes! Another strong, smart woman!
There is no such thing as a strong women, only weak men.
@@davecopp9356 women are strong, men are weak.
@@Dreamer-by4nk No person who has to constantly mention it, in reality really is. How would it sound to you if men would run around and constantly mention like a lot of so called modern feminist women do, I am strong and independant? It would sound stupid. Especially when all what they do is living on their own and paying their own bills like every grown up person should do. As I said and especially in western societies there is no such thing as a strong women, only weak men. In comparison to one hundred years ago, women of today are way weaker then their grandmas. Their grandmas, had ten kids, worked all they to look after the kids and husband, kept the household in order without complaining. Marriage is not about happyness, it is about having a solid foundation to raise strong and healthy kids. But modern women think that marriage should be about their personal happyness and thats why we have the mess in the west like we have it today. Women got brainwashed. And btw I am not divorced or got hurt and my parents are still together. These are just simple facts and the truth.
@@davecopp9356 You and I know she stole most of that money from her ex husband. Went to school while she got alimony & child support. Now that she's cut off she's set up to continue life on easy mode.
No one ever mentions the importance of time and compounding. I’m at 2.125% I’ll take that to the grave while piling up money in my portfolio!!
Ramsey folks trash talking a financial advisor simply because he/she doesn't conform to "muh baybee steps". Then, hard sells their own "smartvestor pro" financial advisors, of which, Ramsey gets paid an advertising fee. She did right by questioning her financial advisor, but then went straight to a multi-level marketing firm for advice.
If you go to a financial advisor and they do not first say "let's run some numbers", run away. If they cannot provide you with several options and clearly explain to you the advantages and disadvantages of each, run away. There may be nonfinancial reasons you choose one course of action over another. Perhaps paying off the house is the correct decision for this caller, perhaps not. It's your money, guard it accordingly.
Listen to this lady’s voice. Do you think your helpless loved ones would be safe in the hospital with her, exhausted, managing their drugs and wounds?
Sadly, the USA does not have enough registered nurses. They import nurses from the Philippines and India. Still not enough. If we don't work like this lady, the patients truly suffer. Hospitals will be shut down.
Who self admittedly was working like a year straight of double shifts
I felt safe with them. They were awesome when I was stuck in the hospital. They are absolute angels and if you ever get to spend some time in a hospital you will see.
John delony said it best: "Solve for freedom."
Did the advisor ask, "What are your goals?" And if so, did the caller answer, "Maximize returns." If it went that way, that's what the advisor did. Maybe if that happened and the caller had answered, "Feeling secure and happy" the result would have been different. Conclusion: don't fire the advisor without more information.
You know, Dave prioritizes the secure and happy answer because of his own trauma. Not everyone has taken foolish risks. And maybe some people (though not me) have more risk tolerance.
This is moronic advice. This financial adviser may be on a flat fee and not make money on how much she invests. She would make 8-12% in the market.
I totally agree, ditch the Financial advisor he's just in to make money off of you, pay off your house and be debt FREE
Omg I’d pay off that house the second I hung the phone up omg I wanna be their!
All of a sudden, the advisor is the evil one for wanting to make money on commissions yet this show pushes mutual funds, ELPs, and smart vestor pros. Ok
You don't understand the process they teach then.
@@zachhawkins5005 it's not hard to understand at all. They're BABY steps. The more you look into what they say, the more hypocrisy you find.
Why pay extra towards the mortgage when you can invest that money at ~10%?
The Ramsey channel takes a more emotional approach. The mathematical answer is to invest. There guys will always say pay off debt regardless
Emotional ? More like practical logical and wise
She should invest in Tesla or Apple and triple her money then pay off the house! lol. Wouldn't 100% returns on an investment beat paying off a mortgage soon?
I would pay off the mortgage. That's more money in your pocket each month.
Exactly...then she could pile up the liquid & do what she wants to with it as no unnecessary debt will be eating away from her income.
@@taurusthebull76 EXACTLY for both of you.
Both.
I love how there are so many people who say it’s better to keep the mortgage in the comments. What does that even do for you? If you wanted to sell you’d keep all the money ( besides closing costs and what not). If you lost your job, that 800-2500$ a month mortgage is now 500-1000$ a year in taxes and mortgage insurance. Knowing that if you ever had life happening ( which is a thing) and your house is the one thing you will automatically keep? I’d rather do that.
Hey the Ramsey show and chance we can have follow up on some of these calls to see were they are now.
Max out for 401k, Roth, and put the rest towards the house. Inflation is already eating at that note. There's no wrong way to eat a reese's as long as your not racking up debt on bs
No, pay off the house with the money she has, put
She has 160k in saving. She can do both.
@@jimroscovius Ya, would be stupid to buy when stocks are low for sure! Buy high sell low
Even without the mortgage, there's still the stupid property taxes. Yes, it's much better to have no debt and a paid off house, but you can never be totally free as long as you are still required to pay the property taxes, car insurance, electric, cable, gas, cell phones, water etc. Those aren't debt, but still monthly bills that are required to be paid every month.
I think the financial advisor is doing nothing wrong here. As someone with a strong financial background what’s he’s suggesting is perfectly rational. To assume he’s doing it out of greed is kind of asinine. Like yes he can do this, but it’s very likely that the rate of return on the investments will supersede the interest expense. And just bc that doesn’t agree with the “Ramsey” way doesn’t make him a fraud lol.
That is where I have an issue with this
"Solving for freedom."
They’re trash talking this financial advisor acting like his advice is stupid but technically it’s not stupid. I agree with the Ramsey plan I would rather pay off my house and then aggressively invest but it’s all a matter of preference
Because financial advisors always tell you to invest and stay in debt.
To me it seems she called to bragg and not to ask for help.
John needs to stop being so rude, cutting people off. Its becoming a habit. With all of that education in understanding people, you would think he would let them complete their thoughts. Hes so busy being a Dave CLONE that hes lost his way.
Definitely agree, I'm sure he was not like that.
I understand him. Some callers just talked in circles to the point of whining. John seems to be CUT TO THE CHASE guy so he solves the callers problems after the points were cleared. Otherwise it will be a whining show.
I went to my Schwab advisor last fall and said my #1 goal was to pay off the house. He backed me 100% and made sure my curent savings rate and investments would provide down the road. Then he looked at options in 6 years when the house gets paid off and started working a retirement plan. THAT is a good advisor.
Your house IS an investment. Pay it off you dork!
lolololol\
No it's not. It's a place to live.
@@jimmymcgill6778 It is! I don’t know who teach you your house is not your investment? If you just want a place to live, RENT, NOT BUY ANY HOUSE ON LOAN!
@@jomontanee You house in not an investment. Yo should never buy on based on how much it can sell for in decades.
She'd probably get more out of the call if she could stop talking for a minute.
Max AGI for a single person into a Roth IRA is $144k, she's likely over that, so hopefully she didn't put money in a Roth yet, like a lot of the commenters are saying to do. Regular IRA is fine though, load it up!
“We’re solving for freedom” so let’s take all of our money and put it into a highly illiquid asset.🤦♂️
These two together are hilarious 😂
If people would just read Dave’s book and follow the Baby Steps. Pay off the house and forget the investments.
His way isn't the only way.
Dave way is not the only way, But it's the Best Taking the RISK off the table way. A paid for house never get foreclosed on. If you ever been poor and broke you never want to go back. Own you stuff out right, take the risk off the table.
@@backyardgrillmaster2910, in this situation yes, but Dave never says anything about the risk of having the house foreclosed on while you are paying it off. IMO the riskiest place to be is with a 90% paid off house, and have little to no liquid assets.
@@sstrongman1667 exactly. As long as you owe anything on the house, you're still at risk of losing it to the bank. Paying extra on a mortgage bit by bit without paying it off leaves that risk on the table. I won't pay extra on a mortgage until I have enough to pay it off entirely, or unless I'm refinancing to get a lower monthly payment. However, for most of Ramsey's listeners if they don't use their spare cash to pay down the mortgage they'd probably spend the money rather than invest it, so for them paying down the mortgage is good advice.
@@megalodon1726, an aftertax brokerage account would be a good alternative.
Pay it off and invest the rest. When you don't have a $1000+ going out on mortgage monthly saving gets even easier once house paid off.
We all know the answer. When you're 70, where are you going to work to pay rent or a mortgage.
Fire you’re financial advisors and hire ours. Ooooo-kaaay.
The was so weird to listen to - this is almost me exactly - single mom nurse about the same age, etc. Yes. Pay off the house. Advisors will always tell you to invest more.
What did you do to run your husband away?
@@davecopp9356 my husband died a few years ago. Luckily, he was a great guy, so I know there are better men in the world than people like you who would ask such a hate filled question.
@@RB-je2ri The comment was not hate filled at all. Most modern women think, being a single mum is like a badge of honor and use it to get attention and validation when in fact they are the ones, around in 80 percent of cases btw who inniciate the divorce and brake up the family. So you are an exception. Facts matter. And my condolences. I wish you all the best.
@@davecopp9356 What is your reason for judging her? It is uncalled for. I am an Asian from Asia where women are still feminine and even me find your judgmental attitude on the OP is appalling.
@@jomontanee I totally understand. To generalize, one of the hardest thing for women is to hear the truth. Facts are, that in the USA 80 percent of the divorces are initiated by women who later often expect respect and help from society and the state to take on the role of the father financially to bail them out of their bad decissions and carry their single mother status like a badge of honor when either they made a bad decission in chosing the man or wanted to be a so called strong and independant women which needs the state and exhusband with child support and alimony to finance her so called strength and independence. The women who her husband died is obvious an exception to the rule and myority of single mother households in the USA of course. These are facts which you are entitled to find appaling but that does not change the facts.
1:23 Where does patient safety fit into this equation? I think nurses should have mandatory rest, like truck drivers. Their shifts are typically 12 hours, so their approx 40-hour work week is finished in three shifts. Twelve hours is a marathon, and they should be resting and handling their homes and personal lives on the other days. It’s not unusual for them to have two jobs, though. A tired nurse makes mistakes and is grumpy. This affects patients, families, and co-workers. It’s greed.
If not for bedside clinicians working overtime and/or multiple jobs the hospital facilities would not be able to fully care for their community. The healthcare physician, nurses and other clinical support staffing is at critical low levels, especially into the future as our society ages and continues to live increased unhealthy lifestyle habits.
@@JohnnyCamaro13 Patients are not being “cared for”. They’re being treated like objects, hygiene and comfort ignored. They’re lucky if they get proper pain management and aren’t given an infection. Billing items are being performed, and they’re kicked out when the number of days insurance or Medicare or insurance pay at the highest rate are over, not when they’re well and safe to care for themselves ay home.
Lol😂😂. You guys are rowdy.
If you're debt free, you don't need as big an emergency fund.
Warren Buffet didn’t pay off his mortgage 🤔
I made a spreadsheet and charted out net worth vs time. Over time, comparing equal dollars applied towards mortgage vs investing in S&P modelling 8 percent return, your net worth will be higher for the first portion of the total amortization period if you pay off your home. Doesn't matter what your mortgage rate is. At some point (the intersection point on the chart varies depending on how much extra dollars you utilize, rate, etc), investing from the start will help you realize a higher net worth in the long run. After 25 year mortgage, the benefit of investing early vs paying off mortgage is only marginal, and is more useful if you stay in that mortgage the whole time. Most people will change primary residence 2 or 3 times in 25-30 years. Since your net worth is higher in the first 10-15 years by paying your mortgage down, this is the way to go. And it's less risk - hard to put a price on peace of mind. Just pay the damn thing down. I used to be hesitant to think paying down a low interest debt made sense but the numbers don't lie.
I’d definitely pay that off, pay yourself and then work like that for one more year and then never work like that again
With the 1 month treasury bill at 5.6% does it still make sense to pay off a massive mortgage at a low rate instead of the guaranteed tbill return?
Some people just don't like debt....it doesn't matter where you can put your money for a better return than the interest savings on a mortgage....it's called peace of mind. I make at least 3 principal payments a month, because I am only 10 years away from retirement, and I don't want an active mortgage when I retire. I am 55 and got a late start because of a divorce and massive child support payments, but I am making up for that in quick time.....everyones situation is different, and when some 25 year old internet financial 'advisor' tries to tell me I am not doing it right by shoveling money at my mortgage, I just ask them if they would be comfortable retiring with a mortgage over their head.
@@formula112967 I ended up paying off the 3% mortgage. I don't regret it-the peace of mind that came with it was nice. Im not going to pretend it was the financially intelligent thing to do though. Lost out on more than $10k/yr in taxable income. Still, you won't regret owning your home outright.
Not all financial advisors work on commissions.
Then they turn around and tell her to get an ELP?
At her age, she should have investments before a paid off house. It's not like she's thirty six.
Just because her financial advisor dozen's follow the baby steps, does not mean they are wrong.
Her financial advisor know more about her finances then these two.
The house is the investment too.
She sounds mildly intoxicated.
In the U.K. our taxes on property are between 1k to 3k. A year. It’s called council tax in the states people seem to be paying 5 8 12k dollars. But ya do earn more. This would never factor into the thought process of a uk citizen when paying of the mortgage cause it’s irrelevant really it’s a kinda constant. So bring it up is dumb 😂
these two are so entertaining
this caller needs to listen more and talk less
Anyone can run the math and make sense out of paying off the mortgage or investing in the market. Both arguments are logical and correct in many ways. Regardless of what your position is, it's a personal decision. I can tell you, having paid off my home in January, that there is a "peace" I feel knowing this house is mine. I moved out of my parents home when I was 19 and have always paid someone something to live somewhere. I'm 50 now and it feels great that I don't have to make these payments anymore. Best wishes to everyone making this difficult decision. God bless.
The thing these guys never ask is how far into the loan are you? In the early years, you are paying more interest than principle. Over time you are paying more principle than interest. Once you get to that point, you need to analyze how much you can actually save by paying off the loan. You might be better off investing if the interest is negligible compared to returns you could get using your cash for other things.
I really hope she took that advice
In times of inflation most smart money looks to be shorting the currency by borrowing / investing / and letting the balance of their current loans inflate away in value.
Would smart money have mortgage at 65. If so I would question smart money decision process. Cause when rates are low they say keep debt. When rates are high and inflation is outta control they say debt. See the pattern. Always with the debt 😂😂
Some financial advisors are fiduciary
why not both invest and pay off the house? if you have over 160k in liquid cash, you could be earning yield on a bank cd or bond. then what you do is take out a credit card and buy other assets like gold and silver that you can sell for cash to put towards the house. its basically like refinancing with credit cards, all you have to make sure to do is keep an eye on your net interest margin so that you dont end up paying interest on the credit card. it would work best if you have some time left on the mortgage to potentially save 2-3x the cost of the metals in mortgage interest over the life of the loan. you can even save 10% of the metals asset to "hedge" against a dropping home value and its basically the same as investing since you are waiting to sell at a higher price with the opportunity cost of saving 10% less interest each time you repeat the cycle. its better than giving up 60% of your capital to pay off a liability like the house and not being able to start investing because of budget constraints like an emergency fund. you already paid most of the interest on the house if you have a few years left on the loan so if you pay it off without saving interest youre just flushing your own money down the toilet.
any investment opportunities should have a minimum return of at least your weighted average cost of capital which should be really low if you have a ton of money earning the risk free rate compared to the credit card rates.
Sounds just like I called to brag
She needs to calm down , I like people paying off the mortgage asap before their brain is messed up with spending and investing
It's call personal finance for a reason. Because it's personal to the person. It's not a one size fits all.
Personal finance is 80% behavior, 20% head knowledge according to Dave Ramsey. Do you agree?
I agree to both of you. But in this case, with 160k in the bank JUST PAY OFF THE MORTGAGE FIRST!!
You can hear that she's on the bottle
Are you rich? Why does the bank own you then? Pay it all off
Seriously what a bad advice....
Ok, I take back what I said. Pay off the house to have extra money and then invest that!
Insane.. This caller had that much money on hand... and didn't know what to do?
This is great but she is interrupting a LOT. She needs to pause for good info..
Sounds like a relatively good spot minus the age. Due to the time horizon
The strong single mom bs..
Where is Dave Ramsey? How come he's not on his own show anymore?
Beans and Rice, use a landline, sell the car ride bike or walk to work
God I hate this advice. Dave Ramsey got himself into trouble because he over leveled himself by taking out too many loans including the one on his home. A low interest mortgage is not bad if you can invest in the market earning 10%. You get the tax benefits on the mortgage interest and some states give a property tax discount when you have a mortgage. Plus, typically homes increase in value and you are paying back the loan with dollars that are worth less than the day you took out the mortgage.
That's what I'm currently on the fence about. But to play devils advocate if in 5 years let's say you pay the house off early you now can put your mortgage payment into that 10% investment, in theory it will catch up and quickly surpass what you would've earned in interest if you invested instead of paid extra towards the principle balance of the mortgage?
@@sganglingI’m not a math wiz, but if you are dealing with a 3% loan you will come out ahead by investing rather than paying off the mortgage. When you get into higher mortgage rates then you have more to think about. Paying off the mortgage is a guaranteed return on your money of 3%. Investing in an S&P index fund could net you 7%. The future growth of investments is never guaranteed even if you wait to pay off your mortgage. Throughout the history of the S&P it is a fairly safe bet that you will average 10%. The cutoff of paying off vs investing gets more complicated the higher your mortgage rate is as there are many moving parts and assumptions you have to make that may or may not come true. For example, let’s say that over the next 5 years the return on the S&P is 5%, well that would be more of a wash. But, if it was 15%, then you would have missed out on that compounded growth. I have part of my investments in a large cap stock fund that has had 30% gains 4 of the last 5 years. One of those years it was down 30% due to Covid.
Single since 2003? Ummm that's not good.
My only thing is I don't like putting extra towards the mortgage every month because it feels like chipping away at a boulder. And also you don't have any liquidity doing that. I realize that's why you build the emergency fund first but I guess I'm extra paranoid.
Is there any reason not to just save up the whole balance in a high interest account or investment account and then pay it all off at once? If it's close to your mortgage APR why not? That's what I did with my student loads. Just saved up the money to pay one off entirely one at a time.
That's what I'm going to do; invest extra money until I have enough to pay off the mortgage entirely, then pay it off in one lump sum. Paying a little extra month by month doesn't help much, because as long as you still owe anything on the house, you're at risk of losing the house to the bank via short sale or foreclosure, and you'd also lose the extra money you paid on the mortgage. In the caller's case, she already has enough in the bank to pay off the mortgage completely, and that's what she should do.
'Is there any reason not to just save up the whole balance in a high interest account or investment account and then pay it all off at once?'
Yes, there is a very good reason not to do that, and to throw all your money at the mortgage, because in the first 20 years of a 30 year mortgage, more of your payment goes to interest, so if you make extra payments at the start of your mortgage, you knock off more interest dollars than you would by making extra payments at the end of your loan.
Example: at the start of my loan, the portion of my payment that went to principal was only $155, and the portion of the payment that went interest was $420....so I made an extra principal payment that month of $155, that knocked off $420 of interest that I would never have to pay. At the end of the loan (25 years into the mortgage) the principal portion is higher at $420 and the interest payment portion is lower at $155, so when you make an extra payment ($420) in the last years of the mortgage loan, you are only saving $155 in interest....that is why they tell you to make your extra payments at the start of your loan. I have already saved $38k in interest by making extra payments.
Deloney is funny. Coleman is savage 😂
The problem I have with this blanket “pay off the house” is that it fails to address either the illiquid nature of your home, or the lack of diversification in your assets. Why is this never discussed?
I don’t think they consider the house an investment, I think they are saying paying it off frees up the payments so you can invest that
@@BruceSilver85 I was referring to assets. I don’t think that when your house is your only asset you can claim diversification
@@bobneedham6224 from my understanding a property is a liability, not as asset
If my interest rate is 3.25% for the house but I can make 8% with investing it would make zero mathematical sense to pay the house off. I get that investing is a risk, but the odds of coming out on top with investing over the mortgage swings hard towards the investing. I believe their thought is the emotional freedom of zero debt, but I value numbers and facts over feelings.
@@moneymattersmastery55897Because you are not taking into account that mortgages are compounding interest loans. And invested money has no guaranteed return rate.
Pay off the student loan first.
Pay off the house then invest
Why would you not invest?
Kenneth killing it with that shawl-collar sweater. What an icon.
I can't tell if you mean this or not. I think he stole it from his mom
Likely pay off the house is the right move. But it seems like there is something more she needed. Working 6-7 days a week is financial emergency style but then has piles of cash. Also seemed caught up on the house value and back story items. So the question/problem statement seemed incomplete. I think there is more going on.
Pay off the house, don't invest it
Is it true what they say about nurses? Asking for a friend
Yes. We’re happy hoes 😂😂😂 I’m a nurse and I’m a hoe.
This is an amazing story.
INVEST!! You want to be rich, and not "house rich"? INVEST! Your house doesn't generate an income, investments do!!
How much does she have invested already is the real question.
That question is irrelevant to the reason she called in.
@@Smallvillefreak If she is way behind then yes invest instead lol
@@Smallvillefreak No it's not irrelevant.
✝️🙏
That's an easy answer.
Wow. Amazing women.
Do both 😊
Pay it off