Higher mortgage rates quietly changed the math on one of the most argued questions in personal finance. If you’re in tech, with a mortgage, RSUs, and real money to deploy, the answer isn’t as obvious as it used to be, and the stakes are higher than a simple rate comparison suggests.
In this episode, Amy Walls walks you through how to weigh a guaranteed return against an uncertain one, what extra mortgage payments actually compete with (it’s not your 401(k) match), how your equity comp and concentration picture change the call, and how to set a decide-once rule so you stop relitigating it every month.
You’ll learn:
- Why higher rates made this an open question again, and what actually changed
- How to compare a guaranteed payoff return to an uncertain investment return
- What extra mortgage payments should, and shouldn’t, compete with
- How taxes and the standard deduction can change your math
- Why liquidity and concentration matter before the mortgage question does
- How to set a split strategy that respects both the numbers and how you’re wired
- Why paying down the mortgage and investing aren’t symmetrical choices
To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com. The ThimbleberryU Podcast is produced by JAG Podcast Productions – https://jagpodcastproductions.com/
