re: Never pay off your house?

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What would be the advantage of this as opposed to actually paying the whole thing off and having zero payments.

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If you can borrow at a low rate and invest at a higher one, you *want* the payments. As much as you can get.

With mortgage rates at historic lows this is probably as good a time as any to borrow as much as possible. I think short-term that it's dicey whether you can beat that return in investments but over the course of a 30-year mortgage this should be a no-brainer.