Pay It Off or Put It to Work
A clear-headed guide to choosing between clearing debt and growing your money.
Compare any debt against any savings or investment using one honest framework, accounting for tax, risk, timing, flexibility and temperament, so you can tell a genuine gain from a false economy and explain your choice in a sentence.
Not sure yet? Read the free version first.
What’s inside
- The one framework for comparing any debt against any investment
- Why a guaranteed return beats a probable one, and by how much
- How tax on interest, dividends and gains changes the maths
- The mortgage case: overpayments, early repayment charges, term vs payment
- Drawing on retirement savings to clear a mortgage: the hidden cost
- Liquidity: why a paid-down mortgage is the least accessible asset you own
- The 0% credit card play, and when cheap borrowing quietly becomes a loss
- A step-by-step decision sequence with worked examples
Who it’s for
Financially comfortable adults, typically 45 to 75, with meaningful savings, a remaining mortgage or other borrowing, and no formal finance training, who want to understand the reasoning well enough to make or sanity-check their own decision.
Important: This guide is general educational information, not personalised financial, tax or legal advice, and does not account for your individual circumstances. Rules, rates and thresholds change. Before acting, confirm the current position and consult a suitably qualified professional.