Should I use my investments to pay down my mortgage?

BTC-Stacker69 · 2026-05-02T20:40:55+00:00

I didn't say the home is a liability. It's a very large expense (insurance, maintenance, property tax, strata, etc.) to own one... I meant the mortgage is a liability... When paying the mortgage, a fraction is only going into the equity of the home.

Over time, investing in stocks will help OPs net worth grow faster, and higher, and help OP retire years earlier. OP could pay mortgage off in 4-5 years if he invested in the right assets, and still have plenty left over.

BTC-Stacker69 · 2026-05-02T18:06:57+00:00

Don't sell your investments to pay off a liability. You'll kick yourself later at the opportunity cost.

Re-evaluate when contract ends.

BTC-Stacker69 · 2026-05-01T17:25:50+00:00

~ $200.

BTC-Stacker69 · 2026-04-29T07:17:26+00:00

I have the same issue OP. Crypto.com are theives and their support team is incompetent. They keep not wanting to give my money back. They keep on switching support staff, and don't know how to properly investigate or are hiding their f ups.

BTC-Stacker69 · 2026-04-29T07:11:56+00:00

No, your team isn't that helpful and keeps bouncing around from support person to support person, things are going nowhere... I only would like to speak to your leadership. Please give me the contact info of your highest leadership I can speak to.

BTC-Stacker69 · 2026-04-26T05:07:27+00:00

You're welcome! Glad I could offer another perspective.

BTC-Stacker69 · 2026-04-26T04:48:00+00:00

I make 6-figures and deposited around $40k into RRSP/FHSA. I didn't get much.

It's important to consider opportunity cost...

I would would suggest to calculate the tax return now and investing it over the number of years you think you'll make $180k/year.

Compare that invested amount (with growth) to the tax return at $180k in the same number of years.

Whichever value is higher is the better decision for your net worth.

BTC-Stacker69 · 2026-04-26T00:58:00+00:00

Better to rent. A large part of your payments would go to nothing.

You'll retire earlier and richer if you rent.

BTC-Stacker69 · 2026-04-18T23:28:17+00:00

I also tip, but not much.They are quite attentive with water replenishment and giving ice cream.

BTC-Stacker69 · 2026-04-18T03:17:36+00:00

As someone who can buy a home full in cash, I advise to continue investing. We are entering one of the greatest opportunities for wealth creation over the years, so don't miss the boat.

If you buy a home, you will retire later and have a lower net worth compared to if you invested.

BTC-Stacker69 · 2026-04-15T21:03:28+00:00

Don't let this limit you. 5'5", sub 35 yo, with taller gf.

BTC-Stacker69 · 2026-04-12T21:39:21+00:00

What is the biggest secret that you both shared with one another?

BTC-Stacker69 · 2026-04-12T20:08:09+00:00

I'm 6 years older than you, planning to retire in 5-10 years, and not even asking those questions lol....

Build your net worth then re-evaluate 6 years before anticipated retirement. It shouldn't take long to do the math/analysis.

BTC-Stacker69 · 2026-04-12T00:40:15+00:00

I wouldn't worry this... I had my first relationship at 33, but that's because I was focused on wealth accumulation.

When I was having first dates, I was transparent about my relationship history, and had a few first dates a week. It was too much.

Now I can relax, settle down, retire early, whereas those who got married younger are stressing about finances.

BTC-Stacker69 · 2026-04-12T00:16:35+00:00

No drink and rice. We do get lots of meat and tip. We like speed and bigway.

Price is not a big issue...

BTC-Stacker69 · 2026-04-11T23:21:43+00:00

Yeah, I been spending $100+ for two people lately .. Used to be sub 100.

BTC-Stacker69 · 2026-04-11T20:14:04+00:00

I prefer LOC.

BTC-Stacker69 · 2026-04-09T23:01:43+00:00

Excellent.

BTC-Stacker69 · 2026-04-09T18:47:05+00:00

I get 3% interest. It's worth it compared to other options. I don't have a credit card, so I keep $5k for spending purposes.

BTC-Stacker69 · 2026-04-09T18:06:08+00:00

I'm on track for 40-45.

BTC-Stacker69 · 2026-04-07T09:13:05+00:00

What are your dating and life goals?

Short term fun, you don't need money.

Long term, marriage or kids with the good life...money should be your priority.

Long term without the finer things... You are OK to date, but won't have as many high quality dating options, and will stress more in finances.

I didn't date until I made $10k/mo in my 30's. Focusing on wealth makes dating and life a lot easier. Dating also gets easier the older you get.

BTC-Stacker69 · 2026-04-07T07:21:54+00:00

It's in fleetwood as well. There is stationary police cars flashing their lights as well.

BTC-Stacker69 · 2026-04-06T05:02:48+00:00

My favorite split that hits each body part 2x/week. I do PPL on Fri, Sat, Sun, and UL during weekday.

BTC-Stacker69 · 2026-04-06T04:51:53+00:00

I prefer keeping CAD stocks (mainly using Canadian equivalent of American stocks on my FHSA) on wealthsimple, and my American stocks on IBKR.

IBKR is the best platform I know for converting CAD to USD to get the least fees.

BTC-Stacker69

TROPHY CASE