re: I’m surprised to see so many advocating for 15 year mortgages on here

I run 30 year mortgages and adjust my monthly payment every quarter when I rebalance my portfolio. If I want to go heavy on the market I pull some money back, but to be honest it’s usually somewhere around an 8-10 year payoff track.

The relative rate advantage associated with the 15 year didn’t make sense to me given the associated opportunity/risk costs of not being able to use the money in other areas.

I’m fortunate because I’m not living in an expensive area so I can usually hit my investment goals and go aggressively after my mortgage, but there is peace of mind knowing that even if my income changed that I wouldnt be leveraged.