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Reply to "Would you save extra money for retirement or put toward mortgage debt?"
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[quote=Anonymous]Your after-tax return on money used to pay down mortgage (assuming 28% tax bracket) is ~3%. You need to decide whether you can get a return of >3% (no taxes on Roth) on your investment, then factor in uncertainty. Nearly all low-risk investments seem likely to return lower than this (look at 10yr Bond yields). Stock market may or may not beat this (historically has, though valuations seems high by a number of metrics) but certainly introduces risk. Either way, you need to accept lack of liquidity in return for these yields.[/quote]
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