Paying off your mortgage early is often framed as the ultimate financial win, peace of mind, freedom, and “no debt.” But from an investment and wealth-building perspective, it’s usually a bad decision. In this episode, we break the discussion into two parts.

First, we explain why aggressively paying down mortgages on investment properties destroys returns. Interest is a business expense. Real estate wealth comes from leverage, appreciation, rent growth, and refinancing, not from racing to zero debt. If spending $10 to make $20 sounds like a good deal, your mortgage should be viewed the same way.

Then we tackle the harder, more emotional question: why paying off your personal home loan early is often a mistake too. This comes down to the time value of money. Would you rather have $1 today or $1 twenty-five years from now? Inflation, opportunity cost, and capital flexibility all work against early mortgage repayment — even when interest isn’t tax-deductible.

This episode challenges conventional wisdom around debt, explains why interest isn’t something to fear, and reframes mortgages as a tool, not a burden, when used correctly.

If you’ve ever been told that being mortgage-free is the safest path to financial independence, this episode will change how you look at your home, your investments, and your money.

Join us at an upcoming Equity Builders Club event or book a free strategy call with Terrie to talk through your systems, growth, and next steps.

Events: https://www.equitybuildersclub.com/events

Strategy Call: https://www.equitybuildersclub.com/book-a-discovery-call

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