Should You Pay Off Your Mortgage Before Retirement? (The Math Most People Miss) скачать в хорошем качестве

Should You Pay Off Your Mortgage Before Retirement? (The Math Most People Miss)

🎯 Check Your Retirement Readiness (Free Assessment) See if you're on track → https://app.rightcapital.com/account/... 📧 Weekly Retirement Insights (Join Like-minded Pre-Retirees & Retirees) Thursday email newsletter → https://lp.constantcontactpages.com/s... 💼 Ready for Comprehensive Planning? (For $1M+ in Assets) Book a free consultation → https://www.shopefinancial.com/meet ━━━━━━━━━━━━━━━━━━━━ This mortgage payoff analysis provides essential guidance for pre-retirees and retirees with investment portfolios deciding whether paying off a low-interest-rate mortgage or keeping it invested makes better financial sense for their retirement income planning. Inside, you'll discover: • Why keeping a $200,000 mortgage at 3% while investing could leave you $125,000-$150,000 wealthier over a decade—the opportunity cost analysis most people never calculate • Real portfolio growth projections showing how $200,000 invested at historical 7% returns versus 3% mortgage interest creates massive wealth differences • The inflation hedge advantage of fixed-rate mortgages—how paying with future inflated dollars means your mortgage effectively costs less each year • Critical liquidity factors wealthy retirees prioritize—why $200,000 in investments beats $200,000 trapped in home equity for emergency access • When paying off your mortgage DOES make sense—specific interest rate thresholds (above 6%) where the math flips entirely • Strategic middle-ground approaches—making one extra payment yearly to shorten loan terms while preserving investment growth and liquidity • Real-world scenario analysis: John and Mary's case study showing $180,000 mortgage at 3.25% versus investing for 20+ years of retirement • The emotional versus mathematical decision framework—balancing peace of mind against potential $200,000+ wealth differences • Portfolio diversification benefits of maintaining both investments and low-rate debt instead of concentrating everything in home equity • Tax-deferred growth advantages when keeping mortgage funds invested in retirement accounts versus paying off debt with after-tax dollars ━━━━━━━━━━━━━━━━━━━━ ⏱️ TIMESTAMPS 0:00 – Should wealthy retirees keep their mortgages? 1:20 – The $200K question: pay off your 3% mortgage or keep investing? 2:15 – Run the numbers: $394K growth vs. $53K interest over 10 years 3:10 – Inflation advantage: paying back your mortgage with cheaper dollars 4:20 – Liquidity matters: $200K trapped in equity vs. accessible investments 5:40 – When paying off does make sense 6:20 – The middle ground: beyond all-or-nothing 7:20 – John & Mary's $200K wealth advantage by keeping their mortgage 9:00 – What's the best use of your capital right now? 10:10 – Low-rate debt can build more wealth than being debt-free ━━━━━━━━━━━━━━━━━━━━ 📍 ABOUT SHOPE & ASSOCIATES My name is Patrick Shope, and for the last 15+ years, my team and I have been helping people across the country retire with confidence. We specialize in helping people who've done a good job saving and investing make smart decisions with what they've worked hard to build. Our approach is simple: We get to know you, understand what matters most, and create a plan that gives you the freedom and confidence to live the retirement you've been dreaming about. If you're looking for comprehensive retirement planning that goes beyond just portfolio management, covering Social Security, tax strategies, withdrawal planning, and more, we'd love to talk. 180 Little Lake Dr 2b, Ann Arbor, MI 48103 Phone: (734) 479-1400 Website: https://www.shopefinancial.com/ ━━━━━━━━━━━━━━━━━━━━ Investment advisory services offered though Sigma Planning Corporation, a registered investment advisor. Shope & Associates, LLC is independent of Sigma Planning Corporation. This material was generated in part by Anthropic, a form of Artificial Intelligence, based on prompts and information provided by Patrick Shope. The projections or other information generated by the provided tool are hypothetical, based on limited inputs and assumptions, not guarantees of future results This material is provided for informational purposes only and should not be construed as advice. Please consult your advisor. Past market performance does not ensure or guarantee future investment performance or success. Diversification does not ensure a profit or guarantee against loss; it is a method used to help manage risk. Sources: 60/40 balanced portfolio historical returns: Vanguard (6.8% average since 1997) https://corporate.vanguard.com/conten...