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I have to disagree with some of that article. We're paying the minimum on a low-interest mortgage and investing the difference, and we're well ahead of where we'd be if we'd thrown everything at the mortgage. As he said in the article, mathematically it is correct.

Sure. If we were still saving for retirement we'd probably take advantage of a low-interest mortgage to leverage our stock investing somewhat. We did it when mortgage rates were very much higher than now. Back then all our investments were in stocks.

Now we're FIRE there's no need for that hassle, and we have more in cash and bonds than our mortgage could be. No point borrowing at 3% to lend at <1%.

Another reason to not have a mortgage is to allow a lower realized income. Important when you're FIRE and buying health insurance through the ACA.
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