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Wealth Management Strategy
Should your client throw extra cash at the mortgage or invest it? Model both paths side-by-side.
Inputs
Results
Winner: Pay down mortgage$150,585
Pay down mortgage
Payoff in19.3 yrs
Total interest paid$316,459
Post-payoff investments$578,973
Net worth at horizon$578,973
Invest the difference
Investment balance$428,388
Remaining mortgage balance$0
Total interest paid$533,981
Net worth at horizon$428,388
Baseline P&I payment$2,594