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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Michele Hansen‏ @mjwhansen 23 Sep 2019
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      My finance prof tonight: “How many of you have mortgages?” 5 hands go up, of 40 people in the room. Prof: “A mortgage is really the only kind of debt you should have, and really, you should try to pay it off early.” Room: *stunned*

      4 replies 0 retweets 9 likes
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      Patrick McKenzie‏ @patio11 23 Sep 2019
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      Replying to @mjwhansen

      This is relatively common advice to extremely unsophisticated people. For business owners or reasonably sophisticated people, I would grade it as unambiguously zero for two.

      6:09 PM - 23 Sep 2019
      • 13 Likes
      • Benjamin Borowski Craig Jon M.L. Coen Alex Ryan Anthony Grove Michele Hansen John Kempe David Lukauskas
      2 replies 0 retweets 13 likes
        1. New conversation
        2. Cameron Kruse‏ @camkruse 23 Sep 2019
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          Replying to @patio11 @mjwhansen

          I think I agree, but interested to hear your perspective on this.

          1 reply 0 retweets 2 likes
        3. Jon M.L. Coen‏ @JonMLCoen 24 Sep 2019
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          Replying to @camkruse @patio11 @mjwhansen

          I hear this sometimes, and I'll admit to not being sophisticated myself, but I've assumed it's people stuck in 10%-mortgage-and-Defined-Benefit-Plan times?

          0 replies 0 retweets 1 like
        4. End of conversation
        1. New conversation
        2. Vanessa Harris  🐾‏ @technologypoet 24 Sep 2019
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          Replying to @patio11 @mjwhansen

          I’m not sure I would treat it so harshly. Guaranteed 3-4% return is fairly healthy. Add in the new tax laws that make mortgage interest deduction much less likely and it seems like sound advice.

          1 reply 0 retweets 0 likes
        3. Vanessa Harris  🐾‏ @technologypoet 24 Sep 2019
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          Replying to @technologypoet @patio11 @mjwhansen

          I’m not a financial advisor, IMO this is good order: • 1 month emergency savings • invest to 401k match • Pay off high interest loans (starting with smallest and roll over) • HSA (depending on health) • 3 month saving • invest to max 401k • backdoor/mega backdoor Roth

          1 reply 0 retweets 0 likes
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