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When NOT to Accelerate Your Mortgage (And What to Fix First)

Published on October 17, 2024

A checklist showing financial priorities, with "Pay off high-interest debt" checked before "Accelerate mortgage."

Paying off your mortgage faster is a great goal, but it’s not always the right first step. This guide provides a crucial reality check, outlining scenarios where you should focus on other financial priorities first. From high-interest credit card debt to a lack of emergency savings, we cover the foundational issues to address before tackling your mortgage.

Priority 1: High-Interest Consumer Debt

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Priority 2: Building a Basic Emergency Fund

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Priority 3: Unstable or Irregular Income

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When Your "Why" Isn't Strong Enough

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A Step-by-Step Financial Triage

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Educational only, not financial advice. Estimates vary by spending patterns and lender terms.