vault backup: 2026-04-28 16:30:30

timestamped/2026-01-29_17-57-00.md

@@ -1,15 +1,14 @@
 ---
 id: 2026-01-29T17:57:00-0500
 title: 2026-01-29 17:57:??
-tags:
-  - topic/finance
+tags: []
 daily: "[[2026-01-29]]"
 ---
 # 2026-01-29 17:57:??
 
 ### Calculating Utility of Above-Minimum Mortgage Payment
 
-See [[2026-01-25#Calculating Monthly Principal & Interest Payment]].
+Follow-up to [[2026-01-25#Calculating Monthly Principal & Interest Payment]]:
 
 Homeowners are often advised to make elective mortgage payments
 to reduce the total interest paid on the loan,
@@ -21,8 +20,8 @@ and are deciding whether to make an elective payment on your mortgage
 or to invest in a promising opportunity.
 
 The return on electing to pay $E$ to the mortgage
-is the
-(i.e., interest that will no longer accrue)
+is the ...
+(i.e. interest that will no longer accrue)
 at the end of the loan is:
 
 $$