> going (further) into debt while simultaneously saving for retirement
Maybe not your exact point, but people looked at me like I was from Mars when they found out I skipped 401k in order to save up for large down payment on a house, and to finance less. The interest saved using a 15 year mortgage vs a 30 year is (or was) huge.
While every case is different the 'interest saved' + federal tax saving on a 15v30yr mortgage do not compare favourably to compounding that money towards retirement.
In general terms, you're leaving ~5% on the table during the 15yr term. That 50-100k you saved could have turned into ~500k upon retirement
Maybe not your exact point, but people looked at me like I was from Mars when they found out I skipped 401k in order to save up for large down payment on a house, and to finance less. The interest saved using a 15 year mortgage vs a 30 year is (or was) huge.