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mortgage

Home Sale: Mortgage Post-Mortem

March 1, 2021 by Mr. 1500 Days 22 Comments

Mindy and I just sold our old home. It had been a rental, but the numbers didn't work well. We earned less than $3,000/month on a $600,000 home. We weren't close to the 1% Rule. Hell, we weren't even at the .5% rule. If we had pursued our original plan to put the home on Airbnb, the numbers would have worked much better. But then, we're trading time for money. I need time much … [Read more...] about Home Sale: Mortgage Post-Mortem

A New Mortgage With A Side Of Lucky Market Timing

May 5, 2020 by Mr. 1500 Days 31 Comments

Back in September, Mindy and I bought another home to live-in flip. Getting a good deal meant that we'd have to pay cash and close quickly. Here was our plan to come up with $350,000+ and what we'd do after:September 2019: Sell $100,000 in stocks, borrow $200,000 from our HELOC, sell the Acura NSX ($45,000) and use cash savings to fund the home purchase.January 2020: … [Read more...] about A New Mortgage With A Side Of Lucky Market Timing

Getting Rich With A Mortgage

August 26, 2019 by Mr. 1500 Days 47 Comments

I bought my last home in 2013. I could have paid cash for it, but instead, took out a mortgage and invested the rest. Today, I tell you how it's worked out.Getting Rich With A MortgageOne of the great debates in the FIRE space is whether you should pay off your mortgage. By not paying off mine, I'm in the minority:Most would say that they like the peace of mind … [Read more...] about Getting Rich With A Mortgage

Ask the Readers: Should I pay off my Mortgage?

August 8, 2016 by Mr. 1500 Days 87 Comments

I had a recent email exchange with a reader about mortgages. Thanks Khunara for inspiring today's question!I'm always yapping how I'll never, ever, ever, EVER pay off my mortgage. I even wrote about it here. I'm having second thoughts though. Here are the details of my mortgage situation:My home is worth about $400,000*. I owe about $110,000 on the loan, so I … [Read more...] about Ask the Readers: Should I pay off my Mortgage?

Hey you Mr. Debt, stop looking at my Wife’s Butt!

March 17, 2016 by Mr. 1500 Days 27 Comments

I'll be the first one to tell you that debt is evil and bad. It will:keep you awake at night with worry possibly hurt your credit score encourage you to call your ex-girlfriend/boyfriend after drinking one too many hit on your husband or wife when you have your back turnedAll of that is true, but there is one form of debt that I tolerate, mortgage debt. … [Read more...] about Hey you Mr. Debt, stop looking at my Wife’s Butt!

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Freedom!

My goal was to build a portfolio of $1,000,000 by February of 2017; 1500 days from the birth of this blog (January 1, 2013). And hey look, I’ve since retired!

Investments only (primary home excluded)
1/1/13 (The Start): $586,043
1/1/14 (1 Yr Later): $869,635
1/1/15 (2 Yrs Later): $987,351
1/1/16 (3 Yrs Later): $1,057,961
1/1/17 (4 Yrs Later): $1,257,128
1/1/18 (5 Yrs Later): $1,527,701
1/1/19 (6 Yrs Later): $1,549,440
1/1/20 (7 Yrs Later): $2,035,040*
1/1/21 (8 Yrs Later): $3,379,746**
1/1/22 (9 Yrs Later): $4,762,642
1/1/23 (10 Yrs Later): $3,112,821

2023: Investments only
1/1: $3,112,821

Overall
2023 investment gains: $0
Investment gains since 1/1/2013: $2,526,778
Net worth***: $3,342,821

* The big jump between 2019 and 2020 was partly because we bought another home, but kept the previous (much more expensive) one as a rental. We have since sold it.

** Tesla.

*** Includes our primary home equity in addition to our investment portfolio.

Finally, we still have about $290,000 in mortgage debt (which I love!). No regrets about the debts!

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Disclaimer

Investing is risky business. The information contained on this site is for informational purposes only. As with all matters financial, proceed with caution. Do your research and seek professional advice.

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