Carl,

Thanks for reading, and I’m glad you enjoyed the article. There are a couple of things that I want to touch on.

1. If you can pay off a $300,000 house before you’re 40, then this article probably doesn’t apply to you. I’m sure you already meet several of the criteria I listed at the end.
2. How long did it take to pay down your mortgage? If it was just a few years, then no worries. But if it took 10 or more, how much money wasn’t invested in the stock market during that time, and how much did you lose on the back end? Remember, investment money isn’t made in the first 10 years, it’s made in the last 10 years. (The wonders of compound interest!)
3. How much money could a renter have invested in the early years of your mortgage payoff, given equal income and spending?
4. Don’t forget that a Roth IRA has a $6,000 annual limit, so your $2,000 investment only covers 3 months of your free cash flow. The other 9 months, or $18,000 can fully fund your 401(k).