Should You Pay Off Your Mortgage Early or Invest in 2026?

Most financial advice on this question was written when mortgage rates were 3%. They're not 3% anymore.

In this video I go through the real math on paying off your mortgage early vs investing — with 2026 rates, CAPE valuations, and the stuff most finance content quietly skips.

What we cover:
→ How amortisation front-loads interest (and why early payments punch harder)
→ Why the "invest always wins" logic worked in 2010–2021 but needs re-examining now
→ The CAPE ratio at 39.6 and what it implies for expected returns
→ The three personal questions that matter more than any formula at 6–7%

Not investment advice. My personal opinion. Do your own research and speak to a qualified financial advisor before making decisions specific to your situation.

Sources: Freddie Mac PMMS · FRED/BEA · Shiller/GuruFocus CAPE data · S&P 500 historical returns via OfficialData.org

Видео Should You Pay Off Your Mortgage Early or Invest in 2026? канала Lukas Gergisak