Subject: Re: Why to not pay off your mortgage.

I think even if the mortgage is costing you a bit over the interest you are earning on the cash you are holding, it still is a good idea to have a large pot of cash for emergencies depending on your overall financial situation.

Someone years ago told me "People will give you all the money you want when you don't need it but when you really need it, often you can't get it or it comes with a huge cost."

Obviously if a mortgage is 8% and you can only make 4% it might be another story.

I messed up my timing with buying/selling houses in the 2019-2023 time frame and missed out on some bargains but sometimes other things in life get in your way.

Rich