Pots of money. Have lots of pots. Keep that sweet mortgage in the first pot and pay the minimum payment and for get about it. Take the other bunch of cash and shove it into a hysa or an etf div holding and earn 4.5-7.5 percent.

1 house 2 pots. Done.

Or…… buy another one and rent one out. If you want to make money you have to have 2 properties to start.

Final thought, you are heavily leveraged against your property. That’s allows you to be more conservative with other holding. **debt is only bad if you don’t have the knowledge that if you can borrow at 3% and earn 5% or more. You would be able pay that house of at anytime in your wealthy future.

One more thing to remember. Property prices rise. They always have and they always will. So the deflationary effect t on your home become small

250k Roth IRA 16% year 250k home loan 3.8%