If You Have 5 House Payments, You Have A Mortgage Problem

This is the biggest financial mistake homeowners make, and most people lock it in for decades without ever questioning it. Now, paying off your home feels like the responsible move. It feels like security. But what if that feeling is costing you far more than you realize? When you pay off your house, what exactly are you winning? Now, I've spent my career inside markets and balance sheets watching how real wealth is built versus how people are told to build it. And by the end of this video, you're going to see that there's two very different financial games. And paying off your house often puts you in the wrong game. So let's go.

All right.

We're jumping right in and we are going to break down one of the biggest sacred cows in wealth building. We're going to talk about your home. We're going to talk about real estate and we're going to change it— the frame in a way that you maybe haven't ever really thought about this. So first of all, should you pay off your home? Should you pay it off early? Should you take a 50-year mortgage and drag it out, pay 2 extra payments per year to pay it off in 15 years, apply extra principal, whatever you're going to do. Should you pay off your home ever? Should you pay it off early? Well, so to really answer this question, it's not, should I pay it off?

Yes or no?

Okay, so that's binary thinking. Let's destroy that right now.

You're never going to get ahead in life with binary on-off, yes-no thinking.

The real question that you should be asking yourself, because the quality of your life comes down to the questions that you ask, the real question that you should ask is, should I pay off my house? But more importantly, why? Why would I want to? Now, from coaching now 6,500 students or more, I've come up with typically 3 reasons why you might want to pay it off. So let's break those down. So reason number 1, you might want to pay it off is security. So if I don't have a house payment anymore, if my house payment is free and clear, I no longer have to worry about that monthly payment to the bank, then I feel secure. Okay, so that's 1. Number 2 would be cash flow. So some people say, well, if I could pay off my monthly payment and I no longer have that payment anymore, that means I'll have more disposable income that I could use. So I have more spending money, more purchasing power, whatever. So maybe it's a cash flow thing. Or maybe the third reason why we want to pay off our home is because of equity. We want to build up the equity, the asset value that we have there. So it's not should I pay it off, yes or no? It's why would I want to? And then we can start to break down each of these questions separately. You follow me? Okay, let's dig in first and let's talk about security. So the payment illusion that we have. So again, right, if I can pay, if I can get rid of my payment, if I can pay it off early, apply the extra principal, whatever, pay it off in 20 years or 30 years instead of 50, the payment illusion. But what do I mean by illusion? Well, let's think about this clearly.

Okay.

So first of all, we have 1, 2, 3, 4. Let's go to 5 different actually monthly payments that I have on my home. So number 1, the first big monthly payment that we're discussing right now is my mortgage payment, right? I have to pay the bank every single month for, you know, 30 years or however long the mortgage that you get. Number 1. Number 2, I also have to pay taxes. So I have to pay property taxes every single month on my property that I own. Number 3, I have to pay insurance. So I have to keep my property insured. You know, if catastrophic loss happens, I have that. Number 4, I have maybe my utilities. So, you know, I have electricity, water, gas, things like that. Number 5, I have some maintenance.

All right.

So every month I have to pay these if I want to stay in the home. Obviously, the mortgage, if I don't, the bank takes it. Takes it. Number 2, taxes. If I don't take it, the state takes it. Number 3, insurance. My mortgage company might require that, or again, I need it for a catastrophic loss. Utilities and maintenance, I suppose you don't have to pay those, but the house won't be inhabitable if you don't, right? You need electricity, gas, et cetera. Okay, the reason why I want to point this out is this payment illusion. So if I pay off my mortgage early, then I have no more payments, so I feel secure. But what you're really saying is, if I get rid of that, all of a sudden I feel way more secure. The reality is I still have to pay all of these. So while maybe I take my payment from $3,000, maybe down to $1,000, the point is I still have to come up with money every single month just to stay in my house. So then it's not really a question of security.

I still have to come up with money every month.

The question is, how much money do I have to come up with? Which really takes us to the second reason why you might be considering paying off your mortgage early, and that's cash flow. So Now that we're on the same page, you have to pay every single month to stay in the home whether you have a mortgage or not. We're clear on that. The— now the question is, how much do I have to pay to stay in the home? Okay, so for cash flow, let's look at this a little bit differently. And for this illustration purpose, I am using the California median home price. So I don't know where you live or what home prices are, but I'm in California. So we're going to use the California home median value, which is $873,000. It's pretty crazy. And we'll use just a typical loan, 75% loan-to-value. So I put 25% down on my home or I have 25% equity. So I have about a $650,000 mortgage payment. Let's say I have a 4.9% interest. I got it a couple of years ago. I'm sure we'll see those rates again here not too far in the distance. And I got a 30-year fixed. Now, if you're outside of the United States, you don't have 30-year fixed, you have adjustables. Sorry for you, but you can change the math to make it work for you.

Now, before I break into that, I do want to let you know real quick, if you like these videos, but you want to see this live, you want to see it with real numbers on a real screen. I am running a live workshop pretty soon. If you click on the link right here down in the description, or there's a QR code on the screen right here, you can come join me live.

We'll go through this. There's not many seats left, but if you, if you get in, we can discuss this live. You can ask all your questions to me live. It's going to sell out though.

So go ahead and grab your spot before it's too late.

So let's say in this example, my monthly payment is about $3,400.

All right.

So in this example, now let's say that I want to pay an additional $365 per month down. It's about 10%. So I'm going to make an extra 10% payment so I can pay off my loan early. Well, let's run this through the math. Let's run through a couple scenarios. So option number 1, I am cutting down again $365 a month. And basically what I'm saving is the 4.9% interest. So if I keep the money, the $365, I have to pay 4.9% on it. If I pay it down early, the money disappears. It just goes into my equity. It's locked up for 20, 30 years, however long I have to have my mortgage. So it disappears into my mortgage, but I don't have to pay the 4.9%. But really I do because the loan is amortized for that. So even though I'm paying extra principal, unless I actually go through and refinance my home, which I may not want to do 'cause I might get a higher rate, unless I actually go through the hassle of that, even if I pay extra principal, my payment actually stays the same. So really what I'm doing is I'm hoping that I'll just pay my payment down sooner. But let's take a look at option number 2. So let's say that I take the same amount of money, this same $365, but instead of putting it down into the black hole of my home mortgage, let's say that I put it into a high-yield interest account. I put it into Treasuries making 5%, which is more about the same that I'm making now. Let's say that I put it into a dividend stock. Let's say I put it into something like— I talk a lot about like STRC. You can buy that in a brokerage right now. It pays 10.75%. So I'm saving the 4.9% over here, but I could make 10.75%.

What does that mean?

Let's break down the math. Well, if I took this $365, and every single month, instead of putting it down on my mortgage, I put it into this at 10.75%. Within 20 years, the interest on the $365 at 10.75% is enough to cover my mortgage payment. So in 20 years, I have enough cash flow coming in from this to effectively wipe out my mortgage payment, effectively pays off my home for me. Technically, I still have the mortgage debt, but there's enough cash flow coming in from this investment to make that zeroed out. But that's only the beginning, because if I go out to 30 years, or let's say I go out to 40 years because of the law of compounding, in 40 years it's enough to equal $67,000 a month of income.

Let me just circle that.

$67,000 a month. But my payment was only $3,400. So option 1, sure, I could put the other extra $365 per month into my home. It disappears into the black hole of my equity. And yes, I'm effectively saving 4.9% kind of maybe if I were to refinance my home or number 2, I put it into an account like this, an income account that would effectively make enough income to cover my payment for me, but ultimately could grow enough to provide a serious income. Now, the beauty is, is that continues to come in year after year until the day I die. And when I die, my kids can have that income. And when they die, my grandkids could have that income versus just paying the home down. Okay, so that's number, number 1. All right. So now let's look at maybe be the third reason why you might want to do this. And this is really the equity game. So homes provide equity, right? Over a long period of time, it's like a savings account, right? I'm paying down into it every month. And so my equity is growing. So a lot of people might recommend just buy your home. And like I said, you just, you make that payment every month and then it's like that, that retirement account for you. But let's take a look at that. Now, there's a couple of things that I like to point out here. Number one is inflation arbitrage. So the benefit of having a, having a mortgage is the inflation arbitrage. So if your payment is a lot locked in for 5 years or 30 years, it's fixed at today's dollars. But because of inflation, I can have the arbitrage, meaning that, you know how it's— we might say like it's $100,000, but in today's dollars, that would be like— and that's because as the government continues to print more money, the dollars are worth less and less and less. So in 5 years, in 10 years, in 20 years, the dollars will be worth less. So let's say again, back to that hypothetical payment of about $3,000. $3,000 may be a lot of money today, but in 10 years from now or in 20 years from now, $3,000 will be much less. So that's the arbitrage. Today it's expensive, but inflation makes it cheap for me in the future. That's one benefit. But we have this capital immobilization trap. But as I said, like, even if I'm paying into my, my house payment early to pay it down early, the money is locked in there. It's like a black hole. So it's immobile. And so we want to have our money mobile because the faster we can move our money, the more we can make. If I can get $1 to do 2 jobs or 3 jobs or 5 jobs, I can build my wealth 2 times, 3 times, or 5 times faster. And so the capital becomes immobile in here, and that's a trap. But then also we have time asymmetry. And so what we want to think about with our capital and getting to do multiple jobs is using it in different time.

All right.

So what do I mean by that? Well, let's say option number 1, I can continue to put this $365 into my mortgage. We talked about this kind of a black hole. Doesn't really change my payment unless I want to refinance my home. But option 1, I could take this $365 and I could put it into the S&P 500. So instead of paying my mortgage down sooner, I'm putting the S&P 500. Now, if we look out over the last several decades, the S&P 500 averages about 7%. I know it's a little bit higher in recent times, but this is a long average over decades, 7%. Now, if I continue to do that, over the, say, 30-year timeframe that I'm making my house payment, I'll end up with about $450,000. So I'm putting the $300 into an account every month instead of putting down my mortgage, and I'll end up with about $450,000 of equity.

Okay, that's pretty good.

But again, I have other options. I could put it into options that give me something higher than 7%, something like Bitcoin. Obviously, you know, I love Bitcoin. It's been the best performing asset in history in 15, 10, 5, 3 years. Over the last 3 years, it's about a 70% compound annual growth rate. Really, we call it about a 50% compound annual growth rate is what we've seen in more recent times. Not going back too far, the number's way too big, but that number might seem unrealistic moving forward. So let's cut that number in half. Let's call it— actually, let's call it 20%. Now, if we take Bitcoin and we put the same $365 a month into Bitcoin and it compounds not at 50%, let's say it compounds at 20%, that number would be closer to somewhere between $18 to $22 million. So again, if I'm playing the equity game and I want to play with my balance sheet and the growth, then I don't want to put it down into my mortgage that's only making 4.9%. I would want to put into something higher. Like the S&P 500 at 7% or like Bitcoin at 20%. And I could do half and half. I could do whatever. But now you see, when we instead of asking the question, should I pay off my mortgage? We say, why would I want to pay it off? And then we can start to break down each one of these. Now, I will just say that these are financial reasons.

The first one we talked about was this feeling of security.

And so that's more of like an emotional reason. Typically, we buy a home for emotional reasons. Like I have a home for my family and my kids. It's a pretty bad financial decision, but it wasn't a financial decision. It was a home. It was more of an emotional decision. I wanted a home for my family to grow up in. And so I can't really break down all the emotional decisions, but from a financial standpoint, you don't really have the security like you think you do because you're still going to be making 4 of the 5 payments, even if it's a down payment mortgage. Number 2, you're not going to really make more cash flow versus other options that you have, and your payment doesn't really change anyway unless you refinance it. And then number 3, the equity game. Sure, I can pay it down to save the 4.9%, but if I could invest it for 7% or invest it for 20%, I actually end up way ahead. All right. Now, like I said at the beginning, I know this is sort of like a sacred cow.

This is the home.

This is the real estate. This is the way that we build wealth right around the world and in America especially. But really what this is, is the collapse of the default. I talk about build or be built. That's the philosophy that I build my life on, which is we either intentionally build the life that we want, or we just live a life by default. And so most of us are just sort of running through these pre-programmed tracks and we're not really thinking about it. And that's through social conditioning. We were taught to go to school, get good grades, save for retirement, contribute to a 401 or to a home for 20, 30, 40 years, cross our fingers, hopefully we have enough. But we have to understand that we're playing by old rules in a system that's changed. As I talk about all the time, the answers have changed. And so the industrial era school system that we were brought up in and the industrial era tools that we were given, no no longer apply in this new system. In this new system, we have rapid late-stage inflation, rapid inflation where wages are not keeping up with the rate of increases of your cost of living. And so we have to find a way to survive in this new system, and the old rules aren't going to work. And we also want to think about the outcome that we want, not the default outcome. So the default is, again, we just save, just close our eyes. We save over long periods of time and we hope that there will be enough on the outside. But strategy is about engineering, engineering the ideal outcome that I want and then working backwards. So then rather than thinking, well, I guess I'll just pay off my home early. Why? What are we trying to achieve? And then once we determine what it is that we want to achieve, the question then becomes, well, how do I get more of that? Well, if what I really want is more cash flow, Well, how can I get more cash flow? Well, if what I really want is more asset, more equity, well then how can I get more equity? And then how could I take the more equity and turn that into more cash flow? That's another question that we can get to at some point. But most financial advice is designed to keep you out of trouble, not help you win, right? So most financial advice is all about safety and protection. And again, in that old world, in that old system, that was okay. We used to be in an equity-based system up until 1971, but in a debt-based monetary system, the old game of trying to play it safe, it's not going to cut it if you want to win. But the real takeaway is what game are you actually playing? And again, most people just haven't really thought through this. If I came over to your house with a new game and you've never played it before, I'd say, let's play this game. And you say, sure, let's play. But what is the game? What are the rules of the game? What's the objective of the game? What are the mechanics of the game? Who are the other players of the game? And you'd ask these things. Most people haven't really stopped to think about this in their own life. So when it comes to should I pay off my home early or not? Well, I don't know.

I can't answer that question for you, but I can answer it with a question.

What game are you actually playing? What are you trying to achieve? And once you determine what it is, do you want the safety of getting rid of one of your 5 payments? Do you want the increased cash flow of when that's paid off? Do you want more equity faster? Once you can answer the question of what is it you're actually trying to achieve, what game you're trying to play, then we can figure out the next step, which is how do we get more of those things.

Questioning whether to pay off your mortgage early, it's the right instinct. But what you were taught about this decision by your advisors, your parents, the financial system— it was built for a world that just no longer exists. The rules of money changed, but most homeowners, they just haven't seen that yet. Now, the cost of getting this wrong, it's not a few thousand dollars. It's the difference between eliminating a payment and building wealth that outlasts you. So in this video, I'm going to break down the 3 reasons people pay off early: security, cash flow, and equity. I'm going to run them through actual math on each one, and we're going to see that what you may think you're doing isn't what you're achieving. All right, so let's go. All right, so I often say that the quality of your life comes down to the questions that you ask, and most people, they just ask pretty terrible questions. And when it comes to should you pay off your home early, the question most people are asking is— it's the wrong question. Should I pay off my mortgage early? Should I apply extra principal? Should I make 2 payments a year? See, that's binary thinking. It's yes or no. It's on or off. And binary thinking will keep you exactly where you are. So the right question isn't, should I pay it off? The right question is, why would I want to? Because once you know what you're actually trying to achieve, then decision starts to make itself. Now, from coaching thousands of students on this, I found there's really only 3 reasons people want to pay off their mortgage early. So let's break 'em down. Number 1, It's security.

All right.

No payment to the bank. I feel safe that way. Number 2, it's cash flow, right? If I eliminate the payment, then I have more money, you know, every single month. And number 3, it's equity. I want to build up the asset value in the home. So those are the 3 main concerns, the 3 main reasons that I've discovered after coaching all these people. And I want to break down each one because when you take a look at the math, get rid of the emotions, look at the math, look at the data, it looks completely different. For every single one. So let's start with number 1. Let's start with security. Okay? So with security, the belief is pretty simple here. If I can just get rid of my mortgage payment, then I'm safe, right? I'm free from the mortgage. I'm clear. I have nothing hanging over me. I get it, right? I, I understand the feeling. It sounds good, right? But feelings, they're not a financial strategy. Here's the reality. To stay in your home every single month, you don't just have one payment. You have 5 payments or more. Let's, let's break 'em down. Number 1, of course you have your mortgage. That's the one that we're talking about eliminating, right? On top of that, number 2, you have property taxes. So you gotta pay the state every single month for your house, whether you have a mortgage or not. If you don't pay it, they take the house. Uh, number 3, you have insurance. Now, of course that's required by your lender, but even if you don't have a lender, you still want to have insurance for catastrophic loss, right? So insurance doesn't go away. Uh, number 4, you have utilities, right? In order to live in the house, you have to have electricity and gas and water. Of course, all those things. Number 5, maintenance. I mean, you got the roof, the HVAC, right? Things break. They break on their own schedule. So we could go on, on more, but you get the idea. Even if I pay off the mortgage, even if I've eliminated exactly one of those 5, the obligations, they don't go to zero. It goes from maybe $3,400 a month down to $1,500 a month. I, I save money, but I still have to produce cash every single month just to keep the house. So, The reason why I'm pointing that out is that that's not security, right? That's a lower number. Sure. It's cheaper. Okay. Real security though, is income that exceeds your total cost of living. Eliminating one payment, it doesn't give you that. So if security is the real reason that you want to pay it off early, well, the math doesn't support it. Which of course brings us to cash flow. And this is where it starts to get really interesting. Okay. So if we, if we look at cash flow, we're getting into the math here. For this example, I want to use the California— since I'm in California, we use the California median home price, which is $875,000, which if you're not in California, that may sound insane, but that's what it is. Of course, plug in your own numbers for wherever you live, but the logic is going to be the same no matter where you live. So let's say that I have that home. It's a 75% loan to value. I put 25% down on the home. Okay. So that put it roughly to a $650,000 mortgage. Now, let's say that I locked this in a couple of years ago. I got it at, say, a 4.9% interest rate, and it's a 30-year fixed loan. So now my monthly payment is, let's call it $3,400 a month. All right.

Now, let's say that I wanted to pay it off early.

So I want to accelerate. I want to— I'm going to start paying it faster. So what I'm going to do is I'm going to put, I don't know, 10% down, $365 per month extra towards the principal. All right. So that's it. Option 1. I send that $365 to the bank every single month extra. Now, if I do that, here's what actually happens. The money disappears into my equity. It's locked and I can't touch that money. I can't touch it unless I refinance or I sell the property. And most people haven't really thought through this. They don't realize this, but when I make that extra payment, the monthly payment that I have, it doesn't actually change, right? Because the loan is amortized. So even though I'm paying extra principal, I'm not reducing what I owe every single month. Yes, I am shortening the timeline, but the payment still stays at $3,400. So that $365 that I'm putting in there is now frozen, and that $365 I'm putting in there every month is doing one job. It's saving me 4.9% over the long run.

Yes.

All right. But so option 2, we could look at another option, the same $365 per month instead of, say, sending it to the bank. I could do something else with it. I could choose to put it to work somewhere else instead. Like I'll give it a couple options. Like for example, I could put it just into the S&P 500. The long run average is around 7% on that. It's doing better in the last 5 years. It probably will continue to do better than 7%, but the long run average is 7%. And just at 7%, I'm already beating my mortgage rate of 4.9%. So now the same dollar is now compounding faster. Let's go further. Some other options I like is Strike, STRK. It's a Series A preferred stock. From MicroStrategy or Strategy. It's a stated 8% yield. Currently, it's much higher than that. It's a contractual coupon. They have to pay you this. It's backed by the largest corporate Bitcoin treasury in the world. You can buy it from any brokerage account right now. And the best part, it's convertible to MicroStrategy stock. So when the price of the stock goes up, which it will— well, not financial advice. I expect to go up a lot from here. It converts into it. So not only do I get the yield, guaranteed 8%. Right now it's probably about 10 or 11%. Plus I get the upside convexity of the conversion into MicroStrategy stock. And it gets even better because the yield that they're paying me is not income. The yield they're paying me is what's called a return on capital, which means it's tax deferred. So I'm not just getting back the 8 or 10%, it's probably more like 14, 15%, depending on what your tax rate is. So back to my options. So I could put it in my mortgage and save 4.9% a year., or I could earn 10, 12, 14% and have the upside. Okay, now let's run this forward a little bit. So let's just say, going back to the 8%, keep it easy. Let's just say at 8%, within 20 years, which is what it would take me to prepay that mortgage anyway, at 20 years, the income from that $365 a month now covers my, my entire mortgage payment. This means the investment now pays the mortgage. Wasn't this my, my goal in the first place, to get my mortgage payment taken care of? So I achieved the same thing, except for now I have an investment. And here's where it even gets more sophisticated, right? That same brokerage position, it can also serve as collateral, collateral for a securities-backed line of credit at maybe 3, 4, 5%. So now that dollar is generating 8% income or more. It's providing access to cheap capital simultaneously. And that capital is working now, but the cash flow, it's only part of the picture, right? The bigger question is the equity and that math. It's a completely different conversation entirely. All right. So I want to talk about the equity game. Now, this is where most of the conventional wisdom lives. The idea is that your home is like a savings account. When you make your payments every single month, your equity builds up, and then after 30 years, you've got a paid-off asset. And so now your retirement's secured, right? Well, there's actually something inside that logic that works in your favor, right? Something most people never think about— inflation arbitrage. What that means is that your mortgage payment is fixed, right? It's locked in today's dollars, but the dollar is being debased every single year. So what this means is that your $3,400 payment right now, maybe it feels heavy for you, but in 10 years, in 20 years, it's going to feel a lot lighter because as the government keeps printing money, your fixed debt keeps getting cheaper cheaper and cheaper. So to service it over time gets easier. You borrowed yesterday's expensive dollar, but you get to pay them back with tomorrow's cheaper one. That's what we call arbitrage. Now, it only works if you keep the mortgage. It only works if you keep the mortgage. If you pay it off early, you don't. So the trap is on the other side. Every dollar you accelerate into your equity, it's frozen and it can't compound. It can't generate income. It's locked inside the walls of your house earning the rate You're avoiding 4.9%, nothing more. And now you have debt equity, right? And debt equity is the worst performing asset on your balance sheet. So now if we run the full spectrum just to compare it, if you pay down the mortgage, what you're really doing is you're saving the 4.9%. Now your money is locked. It's doing one job. But if I would put that money in the S&P 500 at 7%, the same $365 a month over 30 years is about $450,000. You've beaten your mortgage rate and the money stayed mobile, stayed flexible. You had control. If I would've used STRK, you know, instead, maybe with the security backline of credit, 8% yield generating cash flow. Now I have the same position as collateral for cheap credit, 3, 4, 5%. Now the income eventually covers the payment. The compounding gap between this and the option isn't incremental. Now the gap is generational. And then there's Bitcoin. I know the historical Bitcoin numbers, right? 68% compound annual growth rate, CAGR, over the last 10 years, 44% over the last 3 years, 30% if we look at the— look at it over the 200 weekly moving average. But let's be even more conservative. Let's say it's 20% going forward. Conservative at 20%, that same $365 a month over 30 years that you could be putting into it it doesn't get you $450,000 like the S&P 500. It gets you somewhere between—

ready—

$18 and $22 million. Now I know what you're thinking, that number sounds, uh, cherry-picked. It's not, right? Because you've already seen the S&P 500 case, you've already seen the strike case. Bitcoin is just the far end of that same spectrum. The point isn't to tell you where to put your money here. Like, I'm just giving you options, I'm just giving you the math, I'm breaking this down for you. But the point is this: Nowhere on that spectrum does paying down a 4.9% mortgage compete. Not even close. Most financial advice is designed to keep you out of trouble, designed to keep you from dying, but it's designed to keep you from losing. But it's not designed to help you win, not win the game of money. Now, safety and protection, they, they don't lose. They're designed not to lose. But that advice was built for a different era. We were in an equity-based system, a gold-backed, equity-based system all the way up until 1971. It's only been about 50 years that everything changed. And so in that world, back in the equity-based system, paying down debt, you know, saving conservatively, all that made sense, right? In your grand— grandparents' generation, your parents' generation, maybe your generation. It worked back then. It's just we're not in that world anymore. We're now in a debt-based monetary system. That means that the old rules that guaranteed a specific outcome just, you know, it worked, but not the one that you're hoping for. The new system, the debt-based system, it rewards people who understand how to use fixed low-cost capital, how to deploy it at a higher yield, and how to keep it mobile while it compounds. Look, revenue is what you earn, but wealth, it has to be engineered. It's something that we have to plan, we have to build. That's why right now today, 60% of six-figure earners they earn a lot of revenue, they're still living paycheck to paycheck. High income is not enough. You have to turn that income into wealth. And in order to do that, has to be done intentionally, right? Has to be done intentionally, has to be engineered with a system. So let's go back to the question that we started with. Should you pay off your mortgage early? It's up to you to decide, right? Nobody knows what you're trying to achieve. But if now that you've seen the security argument, it doesn't hold. Now that you've seen the cash flow math, deployment beats pay down every time. %. And now that you've seen the full equity spectrum from 4.9% all the way to the, to the end, to the Bitcoin end. And so the question was never, should I pay it off? It's, what am I actually trying to achieve? It's a different question. And once you know that, the answer to what you're trying to achieve, then the question is, how do I get more of that?

How do I automate it so I take all my emotion, thought process, all the time, effort, energy out of that to make sure I'm guaranteed to achieve my goals? But if you want to know about the entire wealth operating system that this is only just one piece of, you might want to go watch this video right here to build a system that pays you forever.

It's on the screen right here. I'll see you over there.