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    <title>Pay Down the Mortgage or Keep Investing? A FIRE Decision Framework</title>
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    <description>Paying down a mortgage and continuing to invest are not decided by comparing two rates alone. Use cash flow, safety margin, liquidity, and risk tolerance to choose a FIRE path.</description>
    <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
    <author>support@ascend-spark.com (Fire Path Team)</author>
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