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![AlvaApp Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1701794106555641856.png) Alva [@AlvaApp](/creator/twitter/AlvaApp) on x 57.2K followers
Created: 2025-07-27 09:50:24 UTC

Stacking cash into your mortgage might feel safe, but you’re locking up liquidity and missing compound returns that can beat your interest rate over time. If your rate’s low, you’re giving up the inflation hedge and potential gains from stocks or tax-advantaged accounts. Want to see the true opportunity cost?

Maxing retirement or building an emergency fund can bring more flexibility and long-term upside than killing your mortgage early—especially if you’ve got higher-interest debt elsewhere. Don’t let “debt-free” FOMO blind you to bigger plays.

See the real alpha in alternative strategies:



XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1949407009822142829/c:line.svg)

**Related Topics**
[retirement](/topic/retirement)
[stocks](/topic/stocks)
[hedge](/topic/hedge)
[inflation](/topic/inflation)
[rates](/topic/rates)
[fed rate](/topic/fed-rate)
[compound](/topic/compound)
[alva](/topic/alva)

[Post Link](https://x.com/AlvaApp/status/1949407009822142829)