If you have a mortgage and positive cash flow, you're likely asking yourself whether you should pay off your mortgage or invest. In this video, we'll explore the common belief that if you have a low mortgage rate, you should invest instead, while a high mortgage rate means you should pay it off as soon as possible.

We'll examine the assumption that stock market returns are linear and explore how they can vary greatly. You can even experience an entire decade of zero returns while making mortgage payments.

Age also plays a role in this decision. We'll discuss where to dedicate your cash when you're 33 vs. 53 and why paying off your mortgage is ideal for those above mid-40s. We'll also touch on why the best money decision isn't always the best personal decision and the benefits of having no mortgage when entering retirement or starting your own business.

Ultimately, the decision comes down to opportunity cost. We'll explore what else you could do with that money, including investing in stocks or cash. We'll discuss what your time horizon should be when investing in stocks and why investing in cash is a straightforward situation.

Other factors to consider include having low debt costs during times of high inflation and not having too much of your net worth tied up in your home going into retirement.

Join us for this informative video and learn the surprising answer to whether you should pay off your mortgage or invest.

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