I prefer investing to paying interest

For the past 18 months, the world's most perfect husband has been receiving money from one of his private old age pension insurances. This time, he reinvested the payout in Crescent Capital BDC, Inc. Common Stock (CCAP).

Because we were foresight and realized early on that a policy rate of 0% is neither healthy nor likely to last long, we chose to live as if the policy rate were 3.5%-4%. We decided to cut the coat according to its cloth and at the same time get a "free" saving. So instead of spending the money, we chose to invest it.

Given that we are now paying a healthier interest rate on our mortgage, it was a blessing in disguise that the husband turned 55 the year before last so one of his old age pension insurances started paying out. That way, "we" still save, even if it's only half of what we saved before.

Should the key interest rate be lowered, we will return to our previous course of action and invest every single cent in the stock market again.