Ashley and Jim, a Chicago couple with two kids, are feeling stuck. They'd paid off their debt, built an emergency fund and are investing 15% for retirement while also saving for college. Yet their $155,000 mortgage feels like it is going nowhere. "We're just feeling kind of stagnant," Ashley told The Ramsey Show at a live taping in Chicago. (1) "Every single time we have any extra money, we can't put it towards our mortgage. We have a plumbing issue, or we need a new car." Just the day before, tree roots ...

核心观点 - 金融专家Suze Orman建议不要使用储蓄提前偿还低息抵押贷款 重点强调保留现金储备和利用更高收益储蓄账户的重要性 [1][4][6] 贷款状况 - 抵押贷款余额约为10万美元 利率为3.3% 剩余期限仅四年半 [3] - 每月额外偿还750美元本金 已进入贷款偿还末期 大部分利息已支付 [3][6] 财务状况 - 持有8.5万美元流动性储蓄 考虑使用5万美元偿还贷款后将使现金储备降至3.5万美元 [2][3] - 拥有包括401(k)和两个罗斯IRA在内的退休账户 职业生涯近40年 [2] 收益比较 - 高收益储蓄账户收益率约4.5% 显著高于抵押贷款利率3.3% [4][6] - 储蓄账户收益增长潜力超过抵押贷款利息累积速度 [6] 现金储备重要性 - 临近退休阶段保持可支配现金对应对失业 医疗开支或其他意外事件至关重要 [4] - 建议将资金安全保留在账户中 以确保收入中断时仍能覆盖抵押贷款支付 [5]