Few personal finance debates are as persistent as this one: Should you pay down your mortgage faster, or invest the extra money instead? The standard advice goes something like this: If your investment returns are higher than your mortgage rate, you should invest the difference. On paper, that sounds perfectly logical. In real life, it’s far more complicated. The Mathematical Argument Is Only Half the Story Yes, over long periods, stock markets have historically returned more

One of the most common frustrations I hear from business owners goes something like this: “My business is doing better than ever, I have cash in the bank, no debt — and the bank still won’t approve my mortgage.” If that sounds familiar, you’re not alone. This isn’t a reflection of poor financial health. It’s a mismatch between how banks assess risk  and how entrepreneurs actually earn money . Let’s break down what’s really going on — and how to plan around it. The Rule That S

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