Reality Radio for a really great future.

We're talking real money.

Ah, the world is getting more normal by the day.

Now that the holidays have gone away, we can go back to a semblance of normalcy and start to catch up on all the questions

and this week comments that have come through to us through talking real money.com

and got quite a few of them. I'm a bit behind. Okay, I'm a lot bit behind. I didn't do two Friday

Q&As over the holidays because I was away,

or I was very ill. I had the flu. So thanks for tuning in to the podcast, and we're going to have a

bunch of great questions, a couple of really interesting comments for you coming up in this edition

of the podcast. And again, all of them came in

through Talking RealMoney.com and you spoke them, which is very nice because, you know,

people have mics with their computers now. There are lots of those. And you can also call us at

855-935-935-825 Talk. So call 855-935-8255825-5 or ask your questions at talking real money.com. I'm Don McDonald,

and let's get started. Hi, Don and Tom. I have no debt and I'm currently maxing out my allowable

HSA, Roth IRA, and Roth 401Ks annually. I recently bought a small home in an inexpensive part of the country, and my mortgage is at 6.3.8%. I'm torn between putting extra cash into a taxable brokerage account while equities are on sale and getting a guaranteed 6 and 3.8s return on my mortgage. Obviously, no one can know what the future of the market will bring, but whatever that is would have to be discounted by my marginal tax rate. As comforting as a paid-off home is, I can't eat my house either.

So what are your thoughts? My thoughts are more along the, you can't eat your house either side

of things. Houses are very illiquid. Although a six and three-eighth's absolutely guaranteed rate of return is attractive.

However, my guess is that you're not going to make much of a dent in that house.

So you're not going to feel the return in terms of wealth for a very, very long time. And that's also a big difference.

I tend to lean more toward the investing. I think, one, it feels better. Two, if you're investing in

index ETFs outside of an IRA, then you don't have to worry as much about your

marginal tax rate because most of your returns are going to be deferred gains because

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