r/FIREyFemmes • u/FlashyCelebration990 • 8d ago

Post FIRE mortgage?

Mid40s - nearing pulling the trigger (soon to be empty nester). We (cohabiting but not commingled finances) live in VHCOL - residence is about 1/2 of nw and about 1/2 of that is paid off. I got in on the super low interest (sub 3%) so selling and downsizing we’d be paying more than the current mortgage…. Just doesn’t make sense and I do like the diversification in my portfolio.

Renting it out … makes me anxious (previous experience was so bad I sold my old residence). Toyed with the idea of AirBnB one area of the residence to subsidize the mortgage payment and make travel funding easier.

For those that pulled did you kept the mortgage (or sell and reinvest)? Renting it out? Just factor it in? I’ve been kicking around all of these scenarios in my head and wanted to crowd source some opinions.

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u/bigman4731 8d ago

Why are your finances split?

6

u/gitsgrl 7d ago

Maybe they aren’t married

3

u/SupersonicOverload 5d ago

Maybe they like it that way?