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When we look at the current climate, and how close to complete chaos we really are, the question becomes whether paying off debt or not paying it off even matters anymore. even assuming you pay off your car in full, you have car registration, insurance, state and county fees, etc, and whatever other fees are gonna be thrown your way when states start running dry. even assuming the car is paid off, the state can just take it away from you at a whim's notice through some crap eminent search and seizure law. when it comes to houses, you don't own the land, you don't own the water rights, heck, all the most important parts of the house will never be owned by actual owner of the house(the days of mineral and allodial rights are long long gone), and even when its paid off you still have to pay taxes, fees, insurance, etc, depending on where you live. depending on where you live, the taxes, fees, and insurance are in and of itself their own mortgage payment (san francisco, nyc, new jersey) in my prior post, i assumed you would own nothing because it would be taken from you, but it looks like the jews are just gonna make it so painfully expensive to own anything, no one will bother.

When we look at the current climate, and how close to complete chaos we really are, the question becomes whether paying off debt or not paying it off even matters anymore. even assuming you pay off your car in full, you have car registration, insurance, state and county fees, etc, and whatever other fees are gonna be thrown your way when states start running dry. even assuming the car is paid off, the state can just take it away from you at a whim's notice through some crap eminent search and seizure law. when it comes to houses, you don't own the land, you don't own the water rights, heck, all the most important parts of the house will never be owned by actual owner of the house(the days of mineral and allodial rights are long long gone), and even when its paid off you still have to pay taxes, fees, insurance, etc, depending on where you live. depending on where you live, the taxes, fees, and insurance are in and of itself their own mortgage payment (san francisco, nyc, new jersey) in my prior post, i assumed you would own nothing because it would be taken from you, but it looks like the jews are just gonna make it so painfully expensive to own anything, no one will bother.

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[–] • 0 pt

I'm going to assume you're asking about paying off debts SOONER than required, and not asking about simply not paying. If you simply don't pay for anything, then you'll just be destitute and homeless, and even if you think that's coming anyways, why would you accelerate that part specifically?

If you're saying you have a pile of cash and a pile of debts, then DO NOT pay off anything early unless the interest rate is higher than inflation (eg. credit card debt, which you shouldn't have anyways).

If the rate is lower than inflation, then they're paying you, not the other way around. This depends on some fancy math, but it's generally true. If my mortgage rate is 2% and inflation is 4%, they're paying me to borrow their money. If I have a car loan at 4% and inflation is 9%, same thing. The only difference is your car is likely depreciating while your house should be appreciating.

And above and beyond all that, if you can make more than you're paying, then you're winning. This is generally called "leverage", where you borrow money you don't have, then invest it to make a higher % return than you owe in interest. It's also a good way to ruin yourself if you decide to put all your apples in a single basket (late-to-the-party crypto bros, for example).

[–] [deleted] • 1 pt

A good point, the question is whether there is an advantage to front loading payments to pay them off sooner, or to leave them as is and do the minimum payments instead. In non clown world, the first option would make the most sense. In jew world however, you earn more money by using the leveraged fixed interest rate to get a better deal by paying less over time than now. Same with credit cards, some run 0% APR now which means you can use credit cards to leverage debt by having a risk free, 0% interest loan for a one year term.