There are definitely levels of sophistication in managing interest liabilities. If you have a mortgage at 3%, paying the principal early is wasting your extra m

There are definitely levels of sophistication in managing interest liabilities. If you have a mortgage at 3%, paying the principal early is wasting your extra monty. As you said, you can invest the extra and make 7% (hypothetical) and clearly that’s advantageous. My example is for people struggling with credit cards and high interest loans that don’t have investment properties.