Originally Posted by wstar

It's true. I'm a big anti-debt person. I would just rather pay for stuff and have nothing hanging over my head. However, given how low interest rates are, and how decent the market returns are, it makes sense to borrow investment money right now. In other words, if you bought a mortgage in the past few years it might be in the 3-4% range. Let's say you come into an extra $40K. My anti-debt brain says "throw into the house loan and get that thing finished quicker," but the smart move right now is to put that 40K into the market (even something conservative like an S&P Index Fund) and make more off of it than your mortgage is charging you.