You don’t need to really beat your mortgage rate, you just need to beat the inflation rate which is easier. As your income adjusts to inflation overtime, your m

You don’t need to really beat your mortgage rate, you just need to beat the inflation rate which is easier. As your income adjusts to inflation overtime, your mortgage becomes easier and easier to pay off and makes up a smaller percent of your expenses. Some index funds though might beat your mortgage rate anyway, so it’s even better.