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Old Jan 10, 2014, 10:35 AM   #26
MyMac1976
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Originally Posted by samiwas View Post
Was this in response to me? If so, what choice are you talking about?
you're choice to buy your house on margins
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Old Jan 10, 2014, 10:40 AM   #27
iJohnHenry
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Quote:
Originally Posted by samiwas View Post
Was this in response to me?
Yes.

Quote:
Originally Posted by samiwas View Post
If so, what choice are you talking about?
If your investments out-perform your mortgage interest, then you have made a wise choice.

Otherwise, holding more than emergency money in lower-yielding investments is costing you money in the long run.
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Old Jan 10, 2014, 01:20 PM   #28
samiwas
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Originally Posted by iJohnHenry View Post
Yes.

If your investments out-perform your mortgage interest, then you have made a wise choice.

Otherwise, holding more than emergency money in lower-yielding investments is costing you money in the long run.
My investments have been far out-performing my mortgage interest by about six times in the last year alone. I also pay extra on my mortgage each month, to whittle down on that.

The plan on the car was to pay it down in less than a year after putting about 40% down, and at the same time ramp up on mortgage payments, until we found out we were pregnant. Puts a dent in those finances (a BIG dent when you don't have employer health coverage). But, any time I can, I throw extra towards whatever debt we have without pulling out of the investment funds.

Hard to find concrete numbers, but I think my net worth puts me in the top 20% for my age, so I can't be doing too badly.
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Old Jan 10, 2014, 01:28 PM   #29
Desertrat
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I had a boss give me a mild chewing out, one time, "You're interested in too many things!"

Er, uh, how not to be? I've always looked upon the world as a great big playground. A veritable smorgasbord of enjoyables. To me, the deal has always been to live and enjoy life, not just exist. That's how you avoid becoming the proverbial Middle-Aged Crazy.

So my bills are all paid, I have a comfortable enough retirement, and my brain still seems to function.

Which ain't bad for hitting 80, this coming July. :-)
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Old Jan 10, 2014, 01:34 PM   #30
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I would love to be 29 again, but not under 18. Seems life has gotten rougher and socially more difficult for that group (I have 3 teenage daughters-so my observation of their trials and tribulations).
I think the quote is "Youth is wasted on the young!"
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