Or so they say! Following on from this post by @Kisha Sims , I promised I would share with you the tactic I was sharing with my friend about 5 years ago about one way of leveraging the power of OPM. I told him I'd figured out a way to become a millionaire, and told him my exact plan, and he said "Good luck with that, let me know when you get there!". And I do, often. ๐ So here's why paying off your mortgage isn't as beneficial as it first sounds, and how you could put that same money to work much more effectively. Let's assume your mortgage is 250k, And then you were lucky enough to inherit)win/earn exactly 250k. You could pay off your mortgage and give a big sigh of relief. Lovely. No mortgage payments to think about. OR Here's what I would do (and do do!) Buy 25% of four houses worth 250k each. Here's why: If your one house increases in value by 10% one year then you have just earned 25k. If your four houses increase in value by the same amount then you have earned 100K. Also, the rental income (difference between the mortgage out and rent in) you have made on the other three is also very nice thank you! What do you think?