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Rants & Gems Real Estate Podcast

Rants and Gems #152 Pay off your mortgage of Invest the Money?

Rants & Gems Real Estate Podcast

EYL Network

Business, Investing

4.91.3K Ratings

🗓️ 11 November 2025

⏱️ 65 minutes

🧾️ Download transcript

Summary

Should you pay off your mortgage early — or invest that extra money instead?

This is one of the biggest wealth questions in real estate and personal finance, and today we’re running the real numbers to find out which one actually wins.


I’ll break down what happens when you take that same $500 a month and either:


💸 Pay down your mortgage faster — saving thousands in interest and becoming debt-free sooner


📈 Invest it in the stock market — earning compound returns that could make you a millionaire by retirement


⚖️ Do both — using a hybrid strategy that balances equity, liquidity, and growth


This isn’t theory — it’s math.





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Transcript

Click on a timestamp to play from that location

0:00.0

How's the business going?

0:01.1

We're busier than ever, but struggling to get the staff we need. Recruiting can be such a distraction. We gave Job Centre Plus a try, and they've really helped us out. Really? Yeah. It was dead easy. We got our own employer advisor, Julie, who helped advertise our jobs, shortlisted candidates for us and letters interview at the Job Centre. We've hired some great people, and Job Centre Plus really took the hassle out of it, And there was no fee.

0:22.7

Brilliant. That's straight on my to-do list. you at the job center. We've hired some great people and Job Center Plus really took the hassle

0:21.1

out of it and there was no fee. Brilliant. That's straight on my to-do list. Find out more at

0:25.9

business.gov.uk slash recruit. Eligibility criteria apply. All right, y'all. So should you pay

0:33.1

off your mortgage or should you reinvest that money.

0:38.6

All right.

0:38.8

Welcome back to the channel, man.

0:40.7

Rans and gems, we are back again.

0:43.1

Make sure you like, comment, share, subscribe, hit the bell for notifications.

0:47.0

I'm going live as often as I feel the need to go live, man.

0:53.8

So welcome back.

0:55.3

Welcome back.

0:56.4

I've been getting a lot of comments and DMs over the last couple days about this topic.

1:01.0

A lot of people doing refinances.

1:03.5

They want to pay off the mortgage.

1:06.0

You know, they want to do various different things.

1:10.1

And, you know, so I said to myself, I said, self, you got a few moments here.

1:16.8

Why not? Why not? Just go ahead and do some content on this. Show some numbers. But first of all,

1:25.9

before we get started, if you knew here this is

1:28.7

your first time here type first time in chat please type first time in chat and where you

1:36.7

from too man let me know where you from what city state where are you from all right i want to

...

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