Natalie

So we have a $327,478.50 mortgage right now with a 3.625 interest rate.

And I have been very adamantly against paying that off for the last several years because if we invest our money very conservatively, very safely, high-yield savings account, money market account,

It's been at 4.5% to 5% for the last several years.

Just recently, it got down to 3.8%.

And my question to you is why, oh, why would I pay off my mortgage when I can make more having it in conservative, basically guaranteed money versus at 3.8 versus, you know, getting back 3.65 by paying it off?

Adam, would you believe, would you believe... 2.2 thousand a year.

I figured I wasn't, but again, I... Here's the question, Adam.

It's not a saving.

So we've got, in money market account right now, we have enough to pay off our house.

Oh, yes, sir.

So it's not apples to apples already.

The interest can be written off taxes.

Pretty good.

Yes, sir.

No, absolutely not.

So that's why I have the money in things where I'm not going to lose.

I'm not going to put this money in the S&P 500 or one of the markets that can fluctuate day by day.

This isn't something that is safe, like I was talking about, either high-yield savings accounts or the money market to where I can take that money out any time.

If we did lose our job or, let's say, the money market or high-yield savings accounts got down to 3.5, I could just take that money and pay off the mortgage that day.

Yeah, and I agree.