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RE: ESPP or Mortgage
It's hard to beat a 15% immediate return.
My companies stock is volatile and I use that. Once a year or so I dump what I consider overpriced stock into the S&P500 fund. The stock varies between $35 (absurdly low) and $80 (what are the fools thinking?) It's the brightest shining spot of my 401k but it requires lack of greed on my part to jump off the high wave before it peaks. That's hard and a part of me berates myself over not going for the extra $5/share.
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