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Pay Off the Mortgage or Invest? What Should Come First

Marriage Kids and Money: Personal Finance for Families · Andy Hill · Sep 9, 2026 · 39 min

What's in this episode

Andy answers a listener with an extra $1,000 a month who wants to work less, walking through a path that builds a financial foundation first, reaches Coast FIRE, then targets mortgage freedom. He also tackles whether you can save too much for retirement.

Questions it answers

Should I pay off my mortgage or invest the extra money?

Family finance coach Andy Hill explains the order: build a foundation, reach Coast FIRE, then attack the mortgage with your extra $1,000 a month.

Answered on Marriage Kids and Money: Personal Finance for Families

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