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re: When does it make sense, mathematically, to accelerate mortgage payments?
Posted on 12/9/23 at 12:07 pm to Chicken
Posted on 12/9/23 at 12:07 pm to Chicken
quote:
...if you think you can do better than 6.5% in the stock market, you are better off doing that.
Why wouldn’t it be =6.5%/(1-your highest marginal tax rate)
You pay principal with post tax dollars, so wouldn’t you need 8.5% or more return to compare?
1
Posted on 12/9/23 at 12:26 pm to Kujo
quote:
Why wouldn’t it be =6.5%/(1-your highest marginal tax rate)
Correct that tax MAY be part of the calculation depending on when you sell. It is feasible to pay a very low tax rate if effective tax planning into retirement when income goes away.
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