This week, Sim breaks down the classic personal finance question of whether you should invest or pay down your mortgage, using real numbers to show how interest rates and repayments affect your cash flow. She explains how paying extra on your home loan can save you big on interest and boost peace of mind, but how investing a lump sum in a broad index fund could grow more over the long term if your mortgage rate is lower than expected market returns. Sim finishes with a simple decision framework based on your interest rate, income stability, and risk tolerance, plus the reminder that you can often do both by splitting the money and avoiding paralysis.Watch the episode on Youtube hereFor more Friends That Invest:Stock Market Tea newsletter: build financial freedom in under 5 minutes a week. Join 115,000+ investors in training.InstagramTikTokTwitterFacebook Hosted on Acast. See acast.com/privacy for more information.

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