Author Topic: Mortgage Payoff Club!!  (Read 386066 times)

robtown

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Re: Mortgage Payoff Club!!
« Reply #1550 on: April 02, 2018, 07:28:22 PM »
Five years ago we refinanced to a 5/1 adjustable at 2.25%   Next month it goes to 4.25%.   We have paid 3x the required payment for that time and are used to the extra cost.

Today my lovely wife went to the credit union and paid the final payment.   It has not sunk in yet.  Next month when our bank account is $3500 richer, the impact will be real.

iluvzbeach

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Re: Mortgage Payoff Club!!
« Reply #1551 on: April 02, 2018, 08:33:34 PM »
Five years ago we refinanced to a 5/1 adjustable at 2.25%   Next month it goes to 4.25%.   We have paid 3x the required payment for that time and are used to the extra cost.

Today my lovely wife went to the credit union and paid the final payment.   It has not sunk in yet.  Next month when our bank account is $3500 richer, the impact will be real.

Congratulations! What a great feeling. I bet people thought you were crazy for getting that 5/1 ARM, right? The best part is that you paid it off within those 5 years and used that 2.25% to your advantage. Congrats, again.

We paid ours off almost 10 months ago and haven’t regretted it for a moment.
Planning to be FIREd in 2020!

Megs193

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Re: Mortgage Payoff Club!!
« Reply #1552 on: April 03, 2018, 07:57:22 AM »
It’s so inspirational to read all of these stories!  I would love to pay off my mortgage before my oldest son enters college. We save in a 529 for his college expenses but it would be great to bankroll his rent and living expenses by having our own mortgage paid off.  That gives us a little over 9 years to pay off our mortgage. We started at $720k at 4.125% a year ago and are at 497k right now. The majority of the decrease was from proceeds of the sale of another property but we do pay extra every month. We always pay an extra $650 a month but if there is any extra money left after our other bills and automatic investments I have been putting it to the mortgage.  My husband gets a large bonus every year and I would love to put half of it towards the mortgage but he’s not convinced that is the best thing to do with it.

indentured4now

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Re: Mortgage Payoff Club!!
« Reply #1553 on: April 03, 2018, 07:39:15 PM »
Just so no one ever thinks it's all rainbows and unicorns...    Just took 2 major hits with a tax bill and some expenses to fix up our house.   It's a minor set back of a month, maybe two.   We could have easily covered the latter expenses if there wasn't a mortgage payment...  Grrrr.   Just goes to show how expectations towards the end can get ahead of cash flow though.   Staying the course despite the headwinds...

Maverick1

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Re: Mortgage Payoff Club!!
« Reply #1554 on: April 04, 2018, 04:51:39 PM »
The credit union I deal with allows annual prepayments up to 20% of the original mortgage balance.  As of today I've prepaid 20% for 3 straight years.  I'm kind of sad I won't be able to do that again because the mortgage balance is now less than 20% of the original balance.

Dicey

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Re: Mortgage Payoff Club!!
« Reply #1555 on: April 11, 2018, 01:15:02 AM »
Just so no one ever thinks it's all rainbows and unicorns...    Just took 2 major hits with a tax bill and some expenses to fix up our house.   It's a minor set back of a month, maybe two.   We could have easily covered the latter expenses if there wasn't a mortgage payment...  Grrrr.   Just goes to show how expectations towards the end can get ahead of cash flow though.   Staying the course despite the headwinds...
Do you mean you don't have enough savings or a healthy enough emergency fund to cover homeownership's inevitabilities? Taxes and repair bills never go away, mortgage or no mortgage.
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Rowellen

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Re: Mortgage Payoff Club!!
« Reply #1556 on: April 11, 2018, 05:43:20 AM »
June 16 $200,813

Apr 17 $151,412
May 17 $144,681
June 17 $139,075
July 17 $136,332
Aug 17 $131,585

Apr 18 $110,747
We've slowed down the mortgage payoff in order to contribute more to super (retirement accounts).

boarder42

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Re: Mortgage Payoff Club!!
« Reply #1557 on: April 12, 2018, 09:32:11 AM »
Just so no one ever thinks it's all rainbows and unicorns...    Just took 2 major hits with a tax bill and some expenses to fix up our house.   It's a minor set back of a month, maybe two.   We could have easily covered the latter expenses if there wasn't a mortgage payment...  Grrrr.   Just goes to show how expectations towards the end can get ahead of cash flow though.   Staying the course despite the headwinds...
Do you mean you don't have enough savings or a healthy enough emergency fund to cover homeownership's inevitabilities? Taxes and repair bills never go away, mortgage or no mortgage.

sounds like the latter expense could have easily been covered with capital invested in equities as well.  one of the many issues over looked by the pay down your mortgage crowd.  having to keep an overly large E - Fund - in this case it appears that wasnt enough.  and then having non tax advantaged capital to fund un expected costs be them home related or not.  you should throw down the full story to educate your bretheren on this thread of the short comings of pumping money into an illiquid asset and the risks that entails. 

plainjane

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Re: Mortgage Payoff Club!!
« Reply #1558 on: April 13, 2018, 08:47:28 AM »
Just so no one ever thinks it's all rainbows and unicorns...    Just took 2 major hits with a tax bill and some expenses to fix up our house.   It's a minor set back of a month, maybe two.   We could have easily covered the latter expenses if there wasn't a mortgage payment...  Grrrr.   Just goes to show how expectations towards the end can get ahead of cash flow though.   Staying the course despite the headwinds...
Do you mean you don't have enough savings or a healthy enough emergency fund to cover homeownership's inevitabilities? Taxes and repair bills never go away, mortgage or no mortgage.
sounds like the latter expense could have easily been covered with capital invested in equities as well.  one of the many issues over looked by the pay down your mortgage crowd.  having to keep an overly large E - Fund - in this case it appears that wasnt enough.  and then having non tax advantaged capital to fund un expected costs be them home related or not.  you should throw down the full story to educate your bretheren on this thread of the short comings of pumping money into an illiquid asset and the risks that entails.

Thank you Boarder. Your comments have been noted and this page of the thread now has a person or two saying that it is not a good idea. Now we can wait until there are enough other posters in the thread to have a page where your concerns aren't showing, and you can post this point again.

FWIW, I don't think the OP meant that they didn't have a big enough E fund. I think they meant that the things meant that they weren't able to throw more money at their mortgage this month because of those things. Perhaps it was too optimistic a reading, but it certainly was how I would have described that sort of thing when I was in the later stages.

(Note, I am a person who prepaid their mortgage because I am in Canada where things generally reset every 5 years, and I made many mistakes with that mortgage, but on the plus side now I have lots of money to throw into my retirement investments and hindsight is 20/20)
Using procrastination to my advantage since 2001.

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Dicey

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Re: Mortgage Payoff Club!!
« Reply #1559 on: April 13, 2018, 09:55:35 AM »
Just so no one ever thinks it's all rainbows and unicorns...    Just took 2 major hits with a tax bill and some expenses to fix up our house.   It's a minor set back of a month, maybe two.   We could have easily covered the latter expenses if there wasn't a mortgage payment...  Grrrr.   Just goes to show how expectations towards the end can get ahead of cash flow though.   Staying the course despite the headwinds...
Do you mean you don't have enough savings or a healthy enough emergency fund to cover homeownership's inevitabilities? Taxes and repair bills never go away, mortgage or no mortgage.
sounds like the latter expense could have easily been covered with capital invested in equities as well.  one of the many issues over looked by the pay down your mortgage crowd.  having to keep an overly large E - Fund - in this case it appears that wasnt enough.  and then having non tax advantaged capital to fund un expected costs be them home related or not.  you should throw down the full story to educate your bretheren on this thread of the short comings of pumping money into an illiquid asset and the risks that entails.

Thank you Boarder. Your comments have been noted and this page of the thread now has a person or two saying that it is not a good idea. Now we can wait until there are enough other posters in the thread to have a page where your concerns aren't showing, and you can post this point again.

FWIW, I don't think the OP meant that they didn't have a big enough E fund. I think they meant that the things meant that they weren't able to throw more money at their mortgage this month because of those things. Perhaps it was too optimistic a reading, but it certainly was how I would have described that sort of thing when I was in the later stages.

(Note, I am a person who prepaid their mortgage because I am in Canada where things generally reset every 5 years, and I made many mistakes with that mortgage, but on the plus side now I have lots of money to throw into my retirement investments and hindsight is 20/20)
@plainjane, let's be honest here. Everyone in the "Don't" Club is perfectly clear that we are advocating holding onto affordable, low fixed-rate mortgages, that are most likely tax deductible. For those of you who are not lucky enough to have these advantages, we offer no advice whatsoever.  Frankly, the way other countries handle mortgages scares the bejeebers out of me. This is a US-based site, so we are endeavoring to help the majority of readers make the most optimal decisions to reach FIRE faster. And yes, the message bears repeating, every few pages or so. Thanks for noticing.
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boarder42

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Re: Mortgage Payoff Club!!
« Reply #1560 on: April 14, 2018, 03:05:35 AM »
Just so no one ever thinks it's all rainbows and unicorns...    Just took 2 major hits with a tax bill and some expenses to fix up our house.   It's a minor set back of a month, maybe two.   We could have easily covered the latter expenses if there wasn't a mortgage payment...  Grrrr.   Just goes to show how expectations towards the end can get ahead of cash flow though.   Staying the course despite the headwinds...
Do you mean you don't have enough savings or a healthy enough emergency fund to cover homeownership's inevitabilities? Taxes and repair bills never go away, mortgage or no mortgage.
sounds like the latter expense could have easily been covered with capital invested in equities as well.  one of the many issues over looked by the pay down your mortgage crowd.  having to keep an overly large E - Fund - in this case it appears that wasnt enough.  and then having non tax advantaged capital to fund un expected costs be them home related or not.  you should throw down the full story to educate your bretheren on this thread of the short comings of pumping money into an illiquid asset and the risks that entails.

Thank you Boarder. Your comments have been noted and this page of the thread now has a person or two saying that it is not a good idea. Now we can wait until there are enough other posters in the thread to have a page where your concerns aren't showing, and you can post this point again.

FWIW, I don't think the OP meant that they didn't have a big enough E fund. I think they meant that the things meant that they weren't able to throw more money at their mortgage this month because of those things. Perhaps it was too optimistic a reading, but it certainly was how I would have described that sort of thing when I was in the later stages.

(Note, I am a person who prepaid their mortgage because I am in Canada where things generally reset every 5 years, and I made many mistakes with that mortgage, but on the plus side now I have lots of money to throw into my retirement investments and hindsight is 20/20)

You have a different market but your plus side is flawed thinking regardless of the market. Money is fungible.

birdman2003

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Re: Mortgage Payoff Club!!
« Reply #1561 on: April 17, 2018, 07:43:32 PM »
Another $5k slam to the principal.  Down to $94k remaining...

indentured4now

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Re: Mortgage Payoff Club!!
« Reply #1562 on: April 17, 2018, 08:38:49 PM »
dicey and boarder42, thank you for the (bit presumptive) comments, but all's well and the plan to kill the mortgage is firmly intact.   Your counter-arguments to remain indebted add to my inspiration to kill the mortgage this year.   It has had almost zero tax benefit the past 2 years and will have zero tax benefit with the new tax law and standard deductions in 2018 tax year as well.    And thanks to plainjane for the comments that were indeed correct.   The house expenses didn't touch emergency funds and the tax bill payment was planned/saved in advance.   Just a large chunk to drop in a particular month out of normal cash flow (and the small side account for taxes) leaving little to pay down the mortgage is all.   Still on track to be free in July (and looking forward to figuring out how to change my username to something like... "free4ever"! ;-)

frizzywhiskers

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Re: Mortgage Payoff Club!!
« Reply #1563 on: April 17, 2018, 09:53:49 PM »
dicey and boarder42, thank you for the (bit presumptive) comments, but all's well and the plan to kill the mortgage is firmly intact.   Your counter-arguments to remain indebted add to my inspiration to kill the mortgage this year.   It has had almost zero tax benefit the past 2 years and will have zero tax benefit with the new tax law and standard deductions in 2018 tax year as well.    And thanks to plainjane for the comments that were indeed correct.   The house expenses didn't touch emergency funds and the tax bill payment was planned/saved in advance.   Just a large chunk to drop in a particular month out of normal cash flow (and the small side account for taxes) leaving little to pay down the mortgage is all.   Still on track to be free in July (and looking forward to figuring out how to change my username to something like... "free4ever"! ;-)

Yes!  Cheers to Freedom 2018! :-)

Dicey

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Re: Mortgage Payoff Club!!
« Reply #1564 on: April 18, 2018, 01:53:14 AM »
dicey and boarder42, thank you for the (bit presumptive) comments, but all's well and the plan to kill the mortgage is firmly intact.   Your counter-arguments to remain indebted add to my inspiration to kill the mortgage this year.   It has had almost zero tax benefit the past 2 years and will have zero tax benefit with the new tax law and standard deductions in 2018 tax year as well.    And thanks to plainjane for the comments that were indeed correct.   The house expenses didn't touch emergency funds and the tax bill payment was planned/saved in advance.   Just a large chunk to drop in a particular month out of normal cash flow (and the small side account for taxes) leaving little to pay down the mortgage is all.   Still on track to be free in July (and looking forward to figuring out how to change my username to something like... "free4ever"! ;-)
Speaking only for myself, congratulations! At least the discussion got you to think about it, which is a good thing.
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Blindsquirrel

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Re: Mortgage Payoff Club!!
« Reply #1565 on: April 18, 2018, 03:04:10 PM »
    I wrote a check for the final balance on our mortgage last week. It is a very, very good feeling to have that expense gone. Will not carry that monthly expense in retirement.
Even a blind squirrel finds a nut once in awhile.

Trifele

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Re: Mortgage Payoff Club!!
« Reply #1566 on: April 18, 2018, 05:32:13 PM »
    I wrote a check for the final balance on our mortgage last week. It is a very, very good feeling to have that expense gone. Will not carry that monthly expense in retirement.

Congrats Blindsquirrel! 

DreamFIRE

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Re: Mortgage Payoff Club!!
« Reply #1567 on: April 18, 2018, 07:14:20 PM »
    I wrote a check for the final balance on our mortgage last week. It is a very, very good feeling to have that expense gone. Will not carry that monthly expense in retirement.

Congratulations!  I've paid off two mortgages over my career.  Both were quite a long time ago when rates were in the 7 to 9% range, and I was still better off sticking with the standard deduction, so there was no tax deduction, either.  It's definitely a great feeling getting those paid off.  My savings rate has been quite high almost every year since paying off my house.

indentured4now

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Re: Mortgage Payoff Club!!
« Reply #1568 on: April 19, 2018, 06:29:38 AM »
Way to go Blindsquirrel!!   Well on your way to Handlebar ‘stache level savings and investing now.  ;-)

Blindsquirrel

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Re: Mortgage Payoff Club!!
« Reply #1569 on: April 20, 2018, 02:51:46 PM »
    Thanks a ton for the nice thoughts and very warm feels. For me it is the financially sound thing to do as it freed up $1265 a month in mandatory spending. This pay off is to reduce tail end risk. The Big Ern who is a very astute fellow makes quite good cases for my deed of paying off my mortgage. Not only that, we have gone crazy and paid off our rental properties as well! The horror! The Angst? The sleeping like a baby feeling is pretty damn good.

https://earlyretirementnow.com/2017/10/11/the-ultimate-guide-to-safe-withdrawal-rates-part-21-mortgage-in-retirement/

Also, I was definitely awoken by the mortgage vs bonds argument  which I found a great read.

 https://earlyretirementnow.com/2016/11/02/why-would-anyone-have-a-mortgage-and-a-bond-portfolio/

Thanks again and keep on trucking, interest is what you should receive, not pay!
Even a blind squirrel finds a nut once in awhile.

Bateaux

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Re: Mortgage Payoff Club!!
« Reply #1570 on: April 21, 2018, 06:55:51 AM »
It's as if you drove a wooden stake into B42's heart.
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Dicey

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Re: Mortgage Payoff Club!!
« Reply #1571 on: April 21, 2018, 07:03:54 AM »
It's as if you drove a wooden stake into B42's heart.
WTF? If this statement came from someone less respected, it might be face punch worthy. Care to elaborate, Bateaux?
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tomsang

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Re: Mortgage Payoff Club!!
« Reply #1572 on: April 21, 2018, 09:23:43 AM »
    Thanks a ton for the nice thoughts and very warm feels. For me it is the financially sound thing to do as it freed up $1265 a month in mandatory spending. This pay off is to reduce tail end risk. The Big Ern who is a very astute fellow makes quite good cases for my deed of paying off my mortgage. Not only that, we have gone crazy and paid off our rental properties as well! The horror! The Angst? The sleeping like a baby feeling is pretty damn good.

https://earlyretirementnow.com/2017/10/11/the-ultimate-guide-to-safe-withdrawal-rates-part-21-mortgage-in-retirement/

Also, I was definitely awoken by the mortgage vs bonds argument  which I found a great read.

 https://earlyretirementnow.com/2016/11/02/why-would-anyone-have-a-mortgage-and-a-bond-portfolio/

Thanks again and keep on trucking, interest is what you should receive, not pay!

Have you calculated how many extra years you have added to your FIRE date?  Would you be retired if you invested vs. paid off your low interest fixed rate mortgages?  Anyone paying down their mortgage early over the past decade has taken a large financial hit. Everyone who is accumulating wealth over the US history has been better off investing vs paying off a sub 4% mortgage.

Did you read the article that was imbedded in the link that you posted?  https://earlyretirementnow.com/2016/12/28/seven-reasons-in-defense-of-debt-and-leverage/

Blindsquirrel

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Re: Mortgage Payoff Club!!
« Reply #1573 on: April 21, 2018, 09:26:34 AM »
     I was not trying to wee in any ones Wheaties with the post but a mortgage can make Sequence of Return Risk (SoRR) a pretty scary risk that you really do need to consider and hedge against. When you have good sized mandatory withdrawals from a declining portfolio, the process is has been termed Dollar Cost Ravaging :) and not something that you want. Markets will always recover but it may not happen quickly enough to fix your mauled stash.

  There can also be solid reasons to keep fixed rate debt in retirement. If real estate craters, and you can't pay the mortgage, go to foreclosure,  the bank eats 80% of the loss and you only eat 20% of the loss at 80% LTV. A "win" for you.  Also, a big fixed rate mortgage can also serve as a giant synthetic short position on the US $. If inflation gets very high, you can pay off your crib in future dollars that are worth a heck of a lot less than the big fat pre-inflation $ the bank initially leant you. To each his own I say but leverage has caused an awful lot more bankruptcy and strife than a paid off house has ever caused a family. Peace
Even a blind squirrel finds a nut once in awhile.

Blindsquirrel

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Re: Mortgage Payoff Club!!
« Reply #1574 on: April 21, 2018, 12:14:38 PM »
  Yep I read the link and agree with quite a bit of it, like I said to each his own. It is purely a risk management decision.
Even a blind squirrel finds a nut once in awhile.

Dicey

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Re: Mortgage Payoff Club!!
« Reply #1575 on: April 21, 2018, 12:55:31 PM »
  Yep I read the link and agree with quite a bit of it, like I said to each his own. It is purely a risk management decision.
Respectfully disagree again, Bs. It is purely an emotional decision if one makes it without fully understanding what they are giving up in the long run. Don't understand inflation, leverage, or sequence of returns? Leaving money on the table in terms of employer match or tax-advantaged savings? Then you do not understand risk management. Don't prepay a cent on your cheap-ass, affordable, fixed-rate mortgage until you do. Simple. Educate yourself. Don't make important decisions based on "feelings". Or do. Just know it will take longer and require more hard-earned green soldiers to get to FI if you do. Who wants that?
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boarder42

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Re: Mortgage Payoff Club!!
« Reply #1576 on: April 21, 2018, 01:06:31 PM »
  Yep I read the link and agree with quite a bit of it, like I said to each his own. It is purely a risk management decision.

And until the day you paid it off fully you were at a higher state of risk than having invested vs paying down. So you looked at the risk. Were emotionally afraid of being in a riskier financial spot and actively chose the riskier path.  I mean that's if it was even evaluated from a risk standpoint
 
I mean the only semi risk of a non paid off house is sequence of returns. (hyper deflation also but this destroys the current economy so it's highly improbable). When acruing wealth sequence of returns is not a risk with an real weight. Post FIRE it carries more weight but is more a product of your life expectancy than anything else. Anyone retiring sub 50 easily needs to curb logevity risk instead of sequence of return based on historical metrics.
« Last Edit: April 21, 2018, 02:34:38 PM by boarder42 »

Blindsquirrel

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Re: Mortgage Payoff Club!!
« Reply #1577 on: April 21, 2018, 03:41:54 PM »
 I am 50 years old so I meet the requirement to pay off the dadgum house. :).
Even a blind squirrel finds a nut once in awhile.

boarder42

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Re: Mortgage Payoff Club!!
« Reply #1578 on: April 21, 2018, 04:16:00 PM »
I am 50 years old so I meet the requirement to pay off the dadgum house. :).

Betting on a shorter life. To each their own I guess.

tomsang

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Re: Mortgage Payoff Club!!
« Reply #1579 on: April 21, 2018, 06:31:38 PM »
If you want to calculate how much it has hurt you, by paying off your mortgage, you can use this calculator.

Here is the S&P 500 calculator with dividends:
https://dqydj.com/sp-500-return-calculator/
« Last Edit: April 21, 2018, 06:36:21 PM by tomsang »

Bateaux

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Re: Mortgage Payoff Club!!
« Reply #1580 on: April 21, 2018, 08:16:31 PM »
It's as if you drove a wooden stake into B42's heart.
WTF? If this statement came from someone less respected, it might be face punch worthy. Care to elaborate, Bateaux?

He's going to come out and prove mathematically that it's less profitable to pay off the mortgage.     I mean no malice to the spreadsheet gurus.
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Dicey

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Re: Mortgage Payoff Club!!
« Reply #1581 on: April 21, 2018, 11:12:54 PM »
It's as if you drove a wooden stake into B42's heart.
WTF? If this statement came from someone less respected, it might be face punch worthy. Care to elaborate, Bateaux?

He's going to come out and prove mathematically that it's less profitable to pay off the mortgage.     I mean no malice to the spreadsheet gurus.
And how does that drive a stake through his heart, exactly? If you didn't mean malice, what did you mean, please?
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jedsbud

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Re: Mortgage Payoff Club!!
« Reply #1582 on: April 22, 2018, 02:13:19 PM »
Tomorrow is going to be a glorious day.  The wire instructions for my mortgage payoff are all set.  I have/had a 5/1 ARM 30 Year that has served me well as interest rates crashed and remained low for the last 13 years.  A couple of years ago I got serious about paying down my mortgage or not paying it down.  Did all the math on refinancing to a fixed rate mortgage and investing the extra I was paying or just paying it off and the end difference was nothing more than a rounding error.  Therefore, paying it off became the goal.
 
I was tracking my debt and enjoyed watching the number drop every month.  Then Harvey happened and basically everything was lost.  There are multiple things that helped me recover and to be at this point today.  First, I had flood insurance, many people I knew didn’t but I am thankful I made that decision years ago.  Second, I already had a decent savings rate so I was in a better position than most of my neighbors.  Third, I had a great amount of support from family and friends primarily from church and my faith never waivered even when I finally succumbed to the reality about two weeks after the water receded.   Fourth, I have been blessed with a great job and the highest paid bonus of my life, which has put me in this position today.
 
It’s time to put that mortgage money to work.  I will invest some, but I also need to give back more.  This freedom is hard to calculate on a spreadsheet and it can’t be measured on an expected investment return for the future. 

Aug 2016 - $192K in Mortgage Debt
Aug 2017 - $88K in Mortgage Debt
Sep 2017 - Harvey
May 2018 – Freedom
Full disclosure: I had a home for my oldest son to live in for college that was sold in May of 2017 reducing $71K in debt. 


Bateaux

  • Handlebar Stache
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  • Posts: 1049
  • Location: Port Vincent
Re: Mortgage Payoff Club!!
« Reply #1583 on: April 22, 2018, 08:08:39 PM »
It's as if you drove a wooden stake into B42's heart.
WTF? If this statement came from someone less respected, it might be face punch worthy. Care to elaborate, Bateaux?

He's going to come out and prove mathematically that it's less profitable to pay off the mortgage.     I mean no malice to the spreadsheet gurus.
And how does that drive a stake through his heart, exactly? If you didn't mean malice, what did you mean, please?

Dicey I was just being an asshole.
“Perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away.”
 ― Antoine de Saint Exupery-

Class of 2020

Dicey

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  • Posts: 7412
  • Age: 60
  • Location: NorCal
Re: Mortgage Payoff Club!!
« Reply #1584 on: April 22, 2018, 09:37:02 PM »
It's as if you drove a wooden stake into B42's heart.
WTF? If this statement came from someone less respected, it might be face punch worthy. Care to elaborate, Bateaux?

He's going to come out and prove mathematically that it's less profitable to pay off the mortgage.     I mean no malice to the spreadsheet gurus.
And how does that drive a stake through his heart, exactly? If you didn't mean malice, what did you mean, please?

Dicey I was just being an asshole.
Oh, Bateaux, I totally call bullshit on that! You're never an asshole. I also do not keep up with anything Vampire, so I really didn't understand. The consequences of a low televised entertainment diet, I guess.
I did it! I have a journal!
A Lot Like This
And hell yes, I am still moving confidently in the direction of my dreams...