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Rule of thumb for home mortgage preparation and payoff
A reader weighs mortgage strategies across ages and budgets. For young homeowners with long tenures, holding a mortgage may be wiser given inflation and investment gains. for retirees on fixed budgets, wiping out the mortgage can improve monthly cash flow, even when interest rates seem favorable. The core advice: keep the mortgage if finances allow steady payments and capital growth. consider prepaying if a tight budget makes amortization burdensome.