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Subject:  Re: Retiring @ 55 Date:  10/14/2013  6:57 PM
Author:  JLC Number:  73573 of 88513

*) There's nothing wrong with having a big mortgage in retirement -- as long as it's a "smart" mortgage. If you pay 4% while earning 8.5% (average) on your investments, then you're making a net 4.5%

Biggest point of contention. An equity investment return is not guaranteed, nor is it linear. Yes, if you could get a higher rate it makes sense, but equities are up one year, down the other, drastically in some cases.

So if you don't plan/allow for changes, cut things too close, you can hose yourself and your retirement dreams.

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