Getting a FIAT refund on taxes.

1. Stack sats?

2. Pay down mortgage?

3. Stack $ emergency fund incase I lost job or something

4. Mix of it?

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Discussion

1&2

3 & 1 in that order. Don’t pay down the mortgage. No good use of that $

Paying down debt with debt issues currency while inflation is on the rise is a futile undertaking. Take your time. You are paying back interest on the capital first anyways on something you don't really own (property taxes).

Sats are the only real investment...

Agree on the you don’t really own your home part 100%

It could still be a hedge against inflation but it is, in a normal market, a depreciating asset. Always needing maintenance and so on...

And lack of liquidity

All I’ll say is there is nothing like being debt free