The Past Pod
Region: US
Wednesday 17 September 2025 19:05:00 GMT
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briannolan59 :
Ramsey is wrong on this one. If the mortgage is fixed at 2% and you’re making a 5% spread compounding year to year it makes no sense to pay that mortgage off.
2025-09-18 01:35:02
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nimbus_lover :
I hear no good explanation in this video of why he should pay it off. Is it in another video? I also find it amusing that Ramsey acts like 5000 a year/400 a month is not a lot of money when this is the same guy that yells at people for eating out at lunch and buying coffee.
2025-09-17 19:46:06
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Bob Ross :
You already paid off all the interest on the house. Don’t pay it off early now. Make money with money. Pay the lower interest
2025-09-18 17:44:27
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Slush Puppy Pro V1x :
Paid for— great feeling and saved it/made it back in 1.5 yrs
2025-10-12 02:06:13
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Rh47h2000 :
Paying it off is insanity. 2% is below inflation and basically any investment you could possibly put it in. There is no justification for paying that off.
2025-09-17 23:21:46
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Doug Fitzgerald :
I went through this same process about 1 year ago and our numbers were very similar. We decided to pay off our mortgage completely. Emotionally, this was very comforting for my wife and I.
2025-09-18 02:59:07
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mreust :
this is why dave is the worst, that's 60k over the 12 years.
2025-09-18 02:54:39
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MrProper :
The real reason is that he could lose income at any time and thus better not to have the debt when he is 60+. Ramsey didn't say he was wrong, math wise he is right... it is just better to be done with it, especially near retirement age.
2025-09-19 13:45:59
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misjaclyn :
say your mortgage is 1000 a month and you pay 2% interest and you also invest 500 a month and make 5%. pay off the mortgage so you can invest 1500 at 5% instead of only 500. that's why. but yea I der how some ppl want to keep paying 2% interest rather then make 5%.
2025-09-18 13:29:13
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Brennen Fraley :
Everyone always views these things as all or nothing. Meaning either i empty all of my savings to pay off the mortgage or i keep all of my money in savings. You could just drop the amount you are putting into savings and dramatically increase the amount you're paying toward your mortgage each month to get it paid off quicker.
2025-09-23 15:45:23
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Ironlord18 :
I paid mine off just for peace of mind and security. I can lose my job and not worry about where my family will stay or have to worry about my investments.
2025-09-18 14:05:31
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Chris Wilson :
What no one addresses is the guy is on the back half of the mortgage. He's already paid the interest on the front half of the loan. The interest he is paying now is negligible. The only problem of paying off is peace of mind at this point.
2025-09-17 23:49:55
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Kenny KC :
There’s no way anyone would convince me to pay off a mortgage with a 2% interest rate. Only a fool would do that.
2025-09-18 04:19:51
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harry.doge :
600k at 63 in 2025 is not “done well”
2025-09-18 04:57:40
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Jon :
2 % is free money. Keep that 92 k in high yield interest account don’t pay it off
2025-09-17 22:41:40
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Con generic :
I could have paid off my house but my financial advisor told me not to. So I didn’t
2025-09-18 23:00:49
0
Kevin Hennessey :
The 2% is also tax deductible…
2025-09-18 01:36:59
1
Kovaluu666 :
Take advice from different sources and compare them. You'll find that Ramsey is alone in this advice. For a good reason.
2025-09-21 05:35:51
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DonF407 :
I kinda wanted to hear what he had to say. He didn’t answer the question then the video shot.
2025-09-17 20:01:10
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Clayo :
It seems ludacris because it is 😁
2025-09-22 03:00:52
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Joshua Galumbeck :
The dollar has lost roughly 20-30% of its purchasing power since 2020 the last 5 years. PAY off your debt
2025-09-18 21:56:22
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The Buckhalters :
If you’re in the retirement redzone with enough in your income producing asset to retire, pay it off. If not, focus on increasing your nest egg. $400k @ 4% per year isn’t enough
2025-09-20 08:24:58
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Underthegun :
The math says don't pay it off. My wife was not interested in the math. She wanted to own our home free and clear. I love my wife. I paid off the mortgage. Now we invest what was the monthly payment. We sleep very well at night
2025-09-18 16:58:07
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ADDave85 :
I’d rather pay the house off. My mortgage is 111k right now at 2.85%. I’m only 40 and only pay an extra $100 right now. When I’m 45 I’m going to start paying WAY more toward the house.
2025-09-19 00:39:53
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Life is beautiful :
paying mortgage off also brings peace of mind and better mental wealth, why people are not looking intangible benefits.
2025-09-20 01:31:03
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