What’s the interest rate on your mortgage? If the interest-rate on your mortgage is lower than the inflation rate, you are arbitrating the dollar. Basically, as the number of dollars it would take to buy your home goes up the value of the money you’re paying on the mortgage goes down.
Discussion
I get the mathematical or engineering approach, but when it's literally the only thing in the way of freedom that changes things in my mind.
You would have to save significantly more money according to the 4% rule to cover the mortgage than if you just pay it off and grow the gap between incomes and expenses.
What you say is true, assuming inflation is what they claim it to be and wages keep up with inflation.
The CAGR on Bitcoin far exceeds interest rate on mortgages. Even a house with no mortgage continues to have a carrying cost. Its best to maximize BTC acquisition, and avoid paying debts faster as long as their interest rate is less than the CAGR'