Should I pay down my mortgage or invest?

In writing my recent article The magic of a one-time partial mortgage payment: your net worth increases I ended up polishing up and optimizing my Mortgage Prepayment Analysis Calculator Spreadsheet Pay off mortgage early calculator/spreadsheet Now you can easily run scenarios with just a few clicks with the new Mortgage Prepayment Analysis Calculator and Spreadsheet.… Continue reading Should I pay down my mortgage or invest?

The magic of a one-time partial mortgage payment: your net worth increases

Should you pay down your mortgage and live debt free or invest? There is an even better option with a one-time partial payment. That is the age old question that many ask themselves. When interest rates are lower than investment returns, it always will mathematically make sense to invest over paying it down. But when… Continue reading The magic of a one-time partial mortgage payment: your net worth increases

Refinance now to improve your savings rate, cash flow, and overall wealth

Interest rates remain historically low. If you have not refinanced, please do so now! We recently finished up refinancing via an Asset Based Mortgage to save $500 on our total mortgage payment. This was huge for us, especially after Accidentally Retiring. Not only are we now able to save $6,000 a year in total expense,… Continue reading Refinance now to improve your savings rate, cash flow, and overall wealth

Asset Based Mortgage: How to get a mortgage in retirement or with no current income

How to get a mortgage with your assets, even with no income and/or retired. Are you retired and trying to refinance or buy a new house? Or maybe you are NOT retired, but have assets to cover a home purchase, but currently have no income? What you are looking for is called an Asset Depletion… Continue reading Asset Based Mortgage: How to get a mortgage in retirement or with no current income

Best Net Worth, Financial Independence, and Retirement Calculators & Tools

This is a comprehensive list of the best Net Worth, Financial Independence, and Retirement Calculators & Tools that I could find and test. I have used many of these calculators myself. Personal Capital’s tools cannot be spoken more highly of for managing a budget, investments and tracking net worth. And from time to time, I… Continue reading Best Net Worth, Financial Independence, and Retirement Calculators & Tools