Скачать или смотреть Pay Off Mortgage or Invest? The Math Will Surprise You (The F² Rule)

Is money causing you stress? It shouldn't. Welcome to Zen Invests! 🌿

In this video, we tackle the single biggest headache in personal finance: Should you pay off your mortgage early or invest in the stock market?

We dive deep into a real-world mathematical simulation worth millions. We’ll expose the "Amortization Trap" banks don't want you to see, analyze the hidden risks of an "Invest Only" strategy, and finally, reveal the "F² Rule" (Financial Freedom Fund) – a hybrid strategy that lets you sleep soundly while getting rich.

📌 On this channel, we cover the 3 pillars of Financial Peace:
1. Mindful Investing: Stress-free stock market strategies, ETFs, and dividends.
2. Smart Saving: Frugal living, budgeting, and minimalism to keep more of what you earn.
3. Passive Income: Building systems that make money while you sleep (and meditate).

Whether you are starting from zero or looking to optimize your portfolio, I’m here to guide you toward Financial Freedom.

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⏱️ TIMESTAMPS
00:00 The Sleepless Dilemma: Debt vs. Invest
01:37 The $500k Scenario: Setting the Stage
02:40 Scenario 1: The "Invest Only" Strategy (The Guru's Choice)
03:58 The Dark Side: The Amortization Trap Explained
05:25 Scenario 2: The Power of Prepayment (Killing Debt)
07:30 Why The Math Lies: Sequence of Returns & Taxes
09:16 The Solution: The F² Rule (Financial Freedom Fund)
10:43 The Decision Compass: Which Path fits YOU?
12:19 Conclusion: Don't Let Numbers Rule Your Life

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⚠️ DISCLAIMER:
This video is for educational and entertainment purposes only. I am not a financial advisor. The numbers presented are simulations based on historical averages and specific assumptions. Please consult with a licensed financial professional before making any major investment or debt repayment decisions.

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