I think that is where the 100% safe part comes in. It is by far from 100% safe. The problem is that money in your house is difficult and expensive to access. And the money doesn't become "safe" until the mortgage is retired. Remember, this is your statement:The very bestest use of funds is to first pay off all debt.Let's assume you've been using your investment dollars to first steadily pay down the mortgage when you get laid off or get sick or otherwise can't work for an extended period. If you miss a couple mortgage payments, the bank will foreclose. And when you point out you have made extra payments, they will laugh heartily and foreclose anyway, and you lose all the extra payments you made, your down payment, your house, and your equity. That is about as safe as a cheese enema. On the other hand let's you have been using your investment dollars to first fund an index fund when you get laid off or get sick or otherwise can't work for an extended period. Then you simply tap the fund to live on until you get back on your feet.
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