“Dani, I just got my bonus. I want to pay off my mortgage and be debt-free.”
What if “peace of mind” is costing you $250,000?
My client had $100,000 sitting in savings.
Their mortgage?
$180,000 at 3.5%.
They were ready to wipe out more than half of it for “peace of mind.”
I asked one question that changed everything:
“What if that peace of mind costs you $250,000 over the next 20 years?”
The Math That Shocked Them
Option A: Pay Off $100K of Mortgage
- Interest saved: ~$35,000
- Net worth in 20 years: Paid-off home
Option B: Invest the $100K Instead
- Conservative 7% return
- Value in 20 years: ~$387,000
- The difference? $250,000+
And that’s using conservative numbers.
Join Me for Stories from the Trenches
FREE Class: Should I Pay Off My Mortgage or Invest?
📅 February 25th
⏰ 5:30PM PT
📍 Live Virtual Class
Here’s What You’ll Learn in This Class:
The Real Story
and what they actually did with their $100K
The Actual Math
Opportunity cost, tax implications, break-even analysis
When To Pay Off Your Mortgage
Interest rate thresholds and life stage considerations
When To Invest Instead
Why liquidity might matter more than being debt-free
Mortgage Acceleration Strategies
Smart ways to do BOTH if that’s your goal
What To Do With Your Windfall
Tax refund, bonus, inheritance – the 3-bucket method
This Class Is For You If:
- You just got a bonus, tax refund, or windfall
- You have $50K-$200K sitting in savings doing nothing
- You’re torn between paying off debt or investing
- You want real numbers, not just opinions
Stories from the Trenches is a monthly series where we share real client situations, walk through what happened, and show you the strategies that worked. No theory. No fluff. Just what’s actually happening in the world of personal finance right now.
This isn’t theory from a textbook.
This isn’t a pitch to sell you real estate courses.
This is what’s ACTUALLY happening in the trenches with real clients right now.
During each class, You’ll hear:
- ✅ The exact panic call and what they almost did wrong
- ✅ The strategy we used to fix their plan
- ✅ What their CPA implemented (and why it worked)
- ✅ The actual savings (real dollar amounts)
Real stories. Real mistakes. Real solutions.
LEGAL DISCLAIMER:
This class provides educational information only. Dani is not a tax professional, CPA, or financial advisor. Every situation is different. You must work with qualified tax and legal professionals for advice specific to your circumstances.
