re: Extra $10,000: finish paying off truck or put towards down payment on a house?(Updated)

I cant imagine wanting to pay taxes and pull out money from retirement funds in the market, with the average yearly returns of those funds, and thinking that was a good idea to avoid the PMI for 24 months. Delusional.

I don't have the loan amount or you credit score to see what pmi rate you would end up around, but I can't fathom how that was the right decision.

The amount of hate towards PMI gets me in these threads every time. Yes ideally if you had enough cash you want to avoid it, but some of you would advise to wait long enough to have enough funds to put 20% down. In that time frame rates could have gone from the 3% with a PMI rate of around 40 bps that will drop off. To 12 months from now with your 20% down but an interest rate that could have climbed to 4% or over in the meantime.