at 3% or lower, I’d invest.

at 4% either is fine.

at 5% or more, I’d pay off loans.

Doggo gets head rubs at the same time.

If you feel that you’d be one layoff from losing the house, perhaps it’s just too much to take on at this point? That sounds like a lot of stress. If I had to pick between a smaller home that I can afford, and buying a bigger place that puts me on a super tight budget, I’m picking the first option.

I also recently bought a starter home (1.5 yrs ago) that I’ve quickly “outgrown”. But the fact is with current rates, it doesn’t make a lot of sense financially for me(and probably many others) to “upgrade” yet.