Ask HTM - 3% Mortgage Paydowns, Brokerage Account Tax Bills, & Am I “Extra” For Wanting AC?! #1186

Joel and Matt answer listener questions on personal finance. Topics include whether to pay down a super-low 2.8% mortgage with extra savings, how to handle taxes on brokerage dividends and the concept of 'tax drag', the security concerns around entering credit card info into card-maxing apps, and whether it's reasonable to finance central air when window units can't keep up with summer heat. The hosts provide practical, no-nonsense guidance rooted in long-term thinking and risk management.