Graham Stephan: SPY will outperform

The window it was checked over

SPY closing prices, adjusted for splits. The shaded span is the one-year window: it starts at the first close after the video went public and ends at the last close on or before one year after the day the video was published.

What was said around it

years. the rates could never go up. My rents were really stable and inflation was actively eating away at the debt because if my interest rate was 3% but inflation was also 3%. Kind of cancels each other out and I was basically just getting free money. That's why when anyone would ever ask me, hey Graham, should I pay off my 3 and 12% mortgage early? My answer is always absolutely not. Do not pay off that mortgage early. That is the cheapest money you're ever going to have access to in your entire life. Instead, just invest the difference in the S&P 500. And over the long term, over the next 20 years, you're going to have so much more money than what you would have put in the property. So much more, in fact, that you'd have money left over to pay off the mortgage in full with money left over to do with whatever you want. Now, I have said that for about 10 years now, until I recently paid off three super low interest rate mortgages, as low as 2.875% 875% fixed for 30 years when I sold those properties. And once I did, everything changed. So, in terms of what happened after the debt was gone, and most surprisingly, why no one regrets paying off their low interest rate mortgage, here's

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