Why High Interest Rates Make the HELOC Strategy Even More Powerful

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Nobody talks about this: a high-rate environment is actually when a cash flow strategy outperforms a payment strategy the most.

Low rates keep the conversation on refinancing. High rates strip that away and force a more fundamental question about structure. And the gap between a front-loaded amortized mortgage and a daily simple interest account is widest right now.

Your income is already the tool. The only question is whether it's moving through the right structure.

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