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@maggiehanley It varies every year. The expected return over time is 8-11%. There are going to be down years where you lose 20%. There are going to be up years where you gain 25%. It’s up to your risk tolerance and your age. If you’re about to retire, then maybe stick with paying off your...

@maggiehanley Personally, I’d lump sum the money into a stock market index instead. If not, then HYSA or money market fund that would give you 4.5%-5% would still be preferred over putting into your mortgage. If you would feel a lot better about putting into your mortgage thought it’s your choice.

@lisette What’s the point in putting your savings in a HYSA when you have $15k in debt with interest rates over 20%? That is the craziest thing I’ve read all day. Also- a $80 haircut can definitely be cut in half if you find the right barber.