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Re:The 30-Year Mortgage Is an Intrinsically Toxic Product (2... by thunky on Saturday July 22, 2023 @08:59AM (#36825864)
> You must be a much better investor than I am

> returns have been all over the place, from tripling my money to losing it all and everything in between.

Yes you are a bad investor and you should stop what you're doing and buy VTI or a target retirement fund instead.

It takes zero skill or effort to get average market returns that way.

Re:The 30-Year Mortgage Is an Intrinsically Toxic Product (2... by jacquesm on Saturday July 22, 2023 @04:08PM (#36829382)
Thank you for your well thought out advice.
Re:The 30-Year Mortgage Is an Intrinsically Toxic Product (2... by thunky on Saturday July 22, 2023 @04:23PM (#36829528)
You're welcome. But don't take my word for it:

https://www.investopedia.com/articles/investing/030916/buffe...