The question of whether to pay off your mortgage early or invest that money instead has been plaguing homeowners forever. With mortgage rates higher in 2026 than they were a few years ago, I asked ChatGPT to break down which strategy actually makes more sense right now. Find Out: This ‘Boring’ Investment Could Be the Secret to Never Running Out of Retirement Income Read Next: 5 Low-Effort Ways To Make Passive Income (You Can Start This Week) The AI’s answer was refreshingly clear: It depends on math, tax ...