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@nothinges Yes, I am looking at long term time horizons. I can counter your argument by simply giving an example following yours of 2014 to now. But we both know that nothing is going to give a better estimate of the future than a dataset that includes as much time as possible. i.e. that...

@nothinges The S&P 500 Dividend rate is about 1.5% the rest is long term market growth (long term capital gains), assuming that portion of the 8% (18.75%) is now taxed at 22% federal and the same 5% state tax, now the market yield is 6.295%. We went from 6.4% to 6.295%, still doesn't make sense...

@nothinges Thanks happy_snowy_owl, I appreciate discourse as it helps everyone arrive to a better understanding of the world, including myself. I have factored taxes. Assuming federal long term capital gains tax of 15%, state tax of 5%, and a conservative growth of 8%, the end yield growth is...

@cbrooks624 Unpopular opinion but you shouldn't be paying these off. The interest rates are too low in comparison to historical market returns. You should be making minimum payments and 'paying off' these loans in your own brokerage account invested in an index fund modeling the S&P 500 or...