So what I never hear anyone talk about is if you buy a house outright instead of investing the money, you need less cashflow.
Actually, that comes up fairly often. It has the greatest impact post-FIRE when minimizing costs is key.
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Meaning you could take part or lower paying jobs that have lower tax implications, since your wasting 30% of your income on taxes, the money you could be investing with the house doesn't seem as great. This of course implies you have the ability to lower the amount of work you do. In a lot of careers either your going full force or nothing.
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I already have a ridiculously low tax burden even with six figures in household income. After 401k, IRA, tax-advantaged rental investments, etc - neither the mortgage deduction nor the small amount of income that goes toward the mortgage are of high concern. Unless and until we pull the plug on employment entirely, ROI matters far more than the 4% of income that pays the mortgage. IOW, I gain more in the long run by dumping the money into stocks earning 8% than in paying off this loan at 3.3% (and tax-deductible 3%, even).
When we're ready to FIRE, we'll want to gradually draw down the balance ahead of time, but it's more about risk mitigation than total return.