<prompt> Human: Edit: Title: Is buying a house a good investment, even when paying a mortgage for 30 years.Heres my situation 30yr. Mortgage at 3.87 for 148k. Monthly mortgage payment with insurance and taxes is 950.If the property is payed in 30 years, I will end up pay 100k on interest. Property might go up in value in that time period but would it be enough to make up for the interest paid. Plus Im putting on average 100-120 a month for minor improvements. I already invested around 10k-11k. And I do have positive equity at around 21k. Something tells me the real winner here is the bank, unless of course I pay off the mortgage early.What will be a good step forward?invest more money in the house or just pay down the mortgage? Thank you in advance.  <response>: From I Have X ... What Do I Do With It?!Should I be in a hurry to pay off lower interest loans? What rate is low enough to where I should just pay the minimum?Depending on your attitude towards debt, you may want to stop paying off loans with low interest rates once you have paid all other loans above that threshold. A common argument is that the long-term return from investments in the stock market will likely exceed the interest rate from a low-interest loan. While this has been true in the past, keep in mind that paying down a loan is a guaranteed return at the loans interest rate. Stock performance is anything but guaranteed. Fairly common consensus is that loans above 4 interest should be paid off early in the debt reduction phase, while anything under that can be stretched out. 