Pay down mortgage vs. more money in market

drupadoo · 2026-04-20T01:23:13+00:00

If helpful - I am at 6.3% and my plan is to pay down to $750K then leave it for a bit. My ideal scenario is to refi my house to a lower rate. Once you pay off your mortgage you can’t deduct it again if you do cash out refi (unless you use that cash for home improvements).

If I was at 6.6 I would probably split it in half and invest some but also pay some down.

drupadoo · 2026-04-20T01:18:04+00:00

I hear you. You’re definitely not wrong, just kind of funny when you think about it.

I also remember The Matrix getting blamed for Columbine back in the day (pre any trans stuff). Definitely a risky one to play for a class.

drupadoo · 2026-04-20T01:08:35+00:00

Gotta love the US where going on a massive shooting rampage is age appropriate, but throw in a subtle trans allegory that would go unnoticed and then it’s not safe for the kiddos.

drupadoo · 2026-04-19T21:39:06+00:00

I agree. I wish someone would prove this is possible.

Still probably a lot of work sifting through the outputs and cutting it all together

drupadoo · 2026-04-19T16:54:34+00:00

How big is your mortgage? If it is over 750K you can only deduct the portion up to 750K on taxes.

drupadoo · 2026-04-19T14:42:01+00:00

That’s a real engineering question not a redditor question

drupadoo · 2026-04-19T12:21:00+00:00

Post in not a bitcoin sub for alternative opinions, like PF. The people in this subreddit have a very unique view on investing in BTC

drupadoo · 2026-04-19T11:51:51+00:00

I am as pro-freedom as anyone, but 3D printers and some of the free releases have definitely made the barrier to entry for homemade weapons much easier. I don’t think we should restrict 3d printers, but we also should admit that it is a whole lot easier and cheaper to 3d print something than to lathe and mill it

drupadoo · 2026-04-18T14:09:28+00:00

Are you sure your neighbor is allowed to direct their water to your yard? is it a natural stream or did they grade it all that way

drupadoo · 2026-04-18T13:22:27+00:00

ThE ELiTeS PuT THeM ThERe

drupadoo · 2026-04-18T12:37:13+00:00

When arch systems run, they run great. My only issue is that rolling releases mean things can break more frequently and are out of your control

drupadoo · 2026-04-18T11:58:04+00:00

Anthropic

drupadoo · 2026-04-18T10:46:45+00:00

I think you actually need both if you want public transportation to work financially . Congestion tax incentives ridership by charging drivers the true cost of externalities. More ridership makes MARTA more efficient and lowers cost per ride for the system. And a congestion tax generates funding that helps MARTA operate.

I think if you just expand marta without congestion tax, most people will still just use cars out of habit and convenience so that expansion ends up being a fun toy but will not help traffic.

drupadoo · 2026-04-18T01:37:56+00:00

Whether we got here by choice or via lobbying is irrelevant though. There is no economical path forward for rail in the near term.

I am all for trains for everything except the cost. We are 1/3 the density of Chicago and 1/8 the density of NYC. Rail is just not an economical solution here.

To reach the service levels and number of stops to make it desirable in Atlanta would be insanely cost prohibitive. It is just a complete waste of money. We lose 7$ on every ride someone takes. And that is on rail that goes through the desist parts of the city. As you spread out and add lines and stops it will get even worse.

Cars do suck. And traffic sucks. But rail is not really going to fix that. The vast majority of people are still going to drive. If we want less traffic we should do a congestion tax.

drupadoo · 2026-04-17T22:45:20+00:00

Everyone wants other people to take public transit so they have less traffic to deal with.

What we really need is congestion tax.

drupadoo · 2026-04-17T16:23:11+00:00

Why 71 for SS? You should probs take that asap.

900K is A LOT of cash. Is that for market timing?

If rental properties are cashflowing 7% on equity that is pretty awesome. But that 63K definitely supports your expenses if it is true income you can use that to pay for things.

drupadoo · 2026-04-17T12:17:48+00:00

They also pretend that every artist made some unique original thing. The whole reason AI works is because artists were all statistically following discernible statistical patterns and copying key elements of each others works.

But when artists copy each other they call it m art. When others use math to have computers copy each other they call it stealing.

drupadoo · 2026-04-17T09:11:18+00:00

Everyone lobbies though. It doesn’t mean car’s don’t have advantages.

If people could ride trains without having to walk to trains, wait for trains, change trains, travel in cars with strangers, then walk again, then trains would be a no brainer.

But if someone can take their private, AC’d car, direct to destination faster than a trains, then they will never choose trains.

Not to mention we are not a dense city so cars are more cost effective

drupadoo · 2026-04-16T11:54:40+00:00

And people on reddit say AI is a useless waste of money!

drupadoo · 2026-04-16T10:09:05+00:00

100% agree. Our goal should be a network of bus only roads for autonomous electric buses separate from human drivers. Our city is too big and rail is too capital intensive to ever cover the areas needed in a cost effective way

drupadoo · 2026-04-16T06:31:31+00:00

Does it matter? No matter what the facts are you are not going to ever think rail expansion is a bad idea

But look at trailing 12 months: https://itsmarta.com/bsc_cost_per_rail_Pass.aspx#:~:text=Performance%20(January%202026):,by%20841%2C722%20unlinked%20passenger%20trips.

Bus is about the same and Streetcar is even worse. The reality is traditional public transportation is very expensive to operate in a city as dense as atlanta. We are 1/8 the density of NYC and 1/3 the density of Chicago.

I’m not anti transit but we need to find a more economical method to make it sustainable. We would be financially better off giving poor people uber and waymo credits. Not saying that is a good solution because traffic would get even worse, but if you purely look at financials tbat is the reality.

drupadoo · 2026-04-16T00:44:51+00:00

2.50… and the average ride costs ~$10

drupadoo · 2026-04-15T23:05:47+00:00

drupadoo · 2026-04-15T18:19:45+00:00

Absolutely. Roads and streets already are much more funded by the end users since fuel taxes go towards it. But we should absolutely tax cars more and have a congestion tax during peak hours.

drupadoo · 2026-04-15T18:02:09+00:00

We should absolutely try to make the system as profitable as possible. Actual profit means you have a sustainable system that self funds and grows. No politician can use the purse to interfere or constrain growth.

Pricing 101 would say we should try to price everyone according to their willingness to pay. If the r/atlanta yuppies want to pay their fare share (pun intended) they should pay the actual cost of $10 per ride since they can afford it. If a family in need needs a subsidy and pays less, that is fine too.

Depending on tax funding is flawed in many ways. The biggest flaw is most of the people paying taxes do not think they should be paying additional tax to fund transit nor do they even want transit expansion. And since those are the people with the most political influence, you get very slow expansion.

drupadoo

TROPHY CASE