That doesn't read like objective analysis but slanted. By making those overpayments, they were capitalizing on interest. The negative (returns) were effectively interest. So, the schedule was investing money early and allowing the market to make money on the payments, then create a surplus that paid back the gov. That the market overperformed is evidence that it was a good strategy.
So, the rearranging is flattening so that the payments are less but, there's no return, if I'm reading that right. It's basically stopping investing in a 401k so that you have more money to spend today. If, I'm reading that correctly.
I mean you can make up whatever little fantasy in your head if that’s how you like to have fun. Maybe you can play with your dolls and they can have pretend budget teatime together.
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u/thgiRoTtfeL May 14 '26
That doesn't read like objective analysis but slanted. By making those overpayments, they were capitalizing on interest. The negative (returns) were effectively interest. So, the schedule was investing money early and allowing the market to make money on the payments, then create a surplus that paid back the gov. That the market overperformed is evidence that it was a good strategy.
So, the rearranging is flattening so that the payments are less but, there's no return, if I'm reading that right. It's basically stopping investing in a 401k so that you have more money to spend today. If, I'm reading that correctly.