[Greta]

Would you invest extra cash monthly in VTSAX or pay down 8% mortgage aggressively? Or combo of both?

I want to take advantage of the downturn, but also want to reduce my expenses before I FIRE.

[John]

I would attack that mortgage. There is nothing like being debt free. After that you keep all your returns and your portfolio takes off like a rocket.

BTW statistically this “downturn “ is completely insignificant.

It’s not even a correction

[Sage]

A lot of uncertainty and volatility in the market right now, I would take a guaranteed 8% gain tax free since a lot of stocks are really overpriced after the last bull run.

If there was a massive 30% correction in the market tomorrow then I would probably switch over to loading up while they are cheap.

[Ross]

Attack that 8%. If it was a lot lower it might make sense to switch some or all to investing, but I’d want to hammer that 8%.

[Jessica]

Ouch 8% mortgage? Would it make sense to refinance? You’re bordering returns on stocks at that point.

If it were lower, I’d invest and use those returns to pay the mortgage.

[Matt]

Both, if young enough those added funds in VTSAX will explode!

Been there done that and funds did explode!

[Author]

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