Objective:  to understand the parallel between saving and taking out a mortgage.  

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If you earn a lower interest rate on your savings than on your mortgage, I would be better off (in the model, at least) paying off the mortgage, rather than saving.

Conversely, if the interest rate on the savings is higher, I would be better off saving the money and paying the mortgage at the end of 30 years.

I'm not sure of what to do if I were unsure. Try to become sure? Split the money evenly between payments and mortgage? Draw a probability table?

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