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Plain-English notes on mortgages, FIRE math, and personal-finance edge cases. New post every two weeks.

Why an extra $200/month in year 1 saves more than $200/month in year 25

Counterintuitive math: the same extra-principal payment is worth roughly 6× more in your first year than in your last. Working through why, with numbers.

5 min read #mortgage #amortisation #compound interest