Someone ( @dielan@shitposter.club ) was talking about making their first mortgage payment today. Someone was trying to convince them to make only the minimum monthly payment and invest the rest of their money into stocks and gold.
.
I disagree. I think paying down the mortgage early has a better ROI for comparable risk levels. Besides, it doesn't have to be either/or. They can put some in stocks and some in paying down the mortgage.