re: When does it make sense, mathematically, to accelerate mortgage payments?

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I feel like the whole "which is the most efficient way to spend my money" question is bullshite 95% of the time. How many people do you know that actually invest the money they dont spend on paying off lower interest loans in something that makes more money? I think nearly everyone just spends that money immediately or puts it in a rainy day fund where it makes almost nothing

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It’s not that difficult in this market to get into a mmf or even a simple high interest rate savings account and out perform an old sub 4% mtg interest rate.