{"podcast":{"title":"Friends That Invest","slug":"friends-that-invest-3054545","podcast_index_feed_id":3054545,"rss_url":"https://feeds.acast.com/public/shows/6525c35d79959c001211baf6","website_url":"https://www.friendsthatinvest.com","image_url":"https://assets.pippa.io/shows/6525c35d79959c001211baf6/1765862140307-4d94b3b0-efc3-4e7f-9423-dcb117de8ed9.jpeg","author":"Friends That Invest","episode_count":461,"summary":"With over 10M downloads, join Sim, an optometrist turned Forbes 30 under 30 investor, as she breaks down the intimidating and not-so-well-taught world of investing and growing wealth, minus the jargon. New episodes every Tuesday! Hosted on Acast. See acast.com/privacy for more information.","last_synced_at":"2026-06-09T08:20:30.803622+00:00","page_url":"https://stenobird.com/podcast/friends-that-invest-3054545"},"episode":{"title":"Invest in Shares or Pay off Mortgage?","slug":"invest-in-shares-or-pay-off-mortgage","published_at":"2026-01-19T16:00:00+00:00","page_url":"https://stenobird.com/podcast/friends-that-invest-3054545/invest-in-shares-or-pay-off-mortgage","show_page_url":"https://stenobird.com/podcast/friends-that-invest-3054545","url":"https://shows.acast.com/girls-that-invest/episodes/s9t3","audio_url":"https://sphinx.acast.com/p/open/s/6525c35d79959c001211baf6/e/696439e788da0c07c15b10d6/media.mp3","summary":"This week, Sim breaks down the classic personal finance question of whether you should invest or pay down your mortgage, using real numbers to show how interest rates and repayments affect your cash flow. She explains how paying extra on your home loan can save you big on interest and boost peace of mind, but how investing a lump sum in a broad index fund could grow more over the long term if your mortgage rate is lower than expected market returns. Sim finishes with a simple decision framework based on your interest rate, income stability, and risk tolerance, plus the reminder that you can often do both by splitting the money and avoiding paralysis. Watch the episode on Youtube here For more Friends That Invest: Stock Market Tea newsletter : build financial freedom in under 5 minutes a week. Join 115,000+ investors in training. Instagram TikTok Twitter Facebook Hosted on Acast. See acast.com/privacy for more information.","meta_description":"This week, Sim breaks down the classic personal finance question of whether you should invest or pay down your mortgage, using real numbers to show how in…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1314,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/friends-that-invest-3054545/episodes/invest-in-shares-or-pay-off-mortgage/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/friends-that-invest-3054545/invest-in-shares-or-pay-off-mortgage.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}