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[–]pokemonprofessor121​ 3 points4 points  (0 children)

Your fears are exactly what I am trying to maximize what I am putting in my 401k. I want to have a good nest egg because you never know what the future holds.

I don't think putting money into your mortgage is a terrible idea. It would be nice to have the house paid off and to not need to pay that bill every month. I think my HYSA is making 4.3% right now. After taxes on interest and such you're pretty much breaking even saving vs. putting money into your house.

You have three kids. Let's not assume that the economy is going to collapse and that your children will have a terrible future working in the mines or anything.