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back in December 2021 I created my most popular video ever asking what you should do with any spare money each month should you overpay your mortgage or invest it back then at the bank of England base rate was just 0.1 and now its 4.25 so has the argument changed well there are still two key factors at play firstly the maths the numbers behind the decision and those have definitely changed and Ill show you to what degrees have changed in the main video the second factor is the emotional psychological benefit of paying off debt and while human nature hasnt changed very much in the last 18 months I do think that many of us feel that things are more challenging now than they were with the rising cost of living and arguably quite a bit more job uncertainty and so I think that theres a new factor that trumps both and that is flexibility watch the video which Ill link in the pinned comment here to find out why