A few days ago, I was alerted to a comment on my Facebook about a blog post. The author of the post came to a conclusion that it is better to use cash to pay down our mortgage, instead of using our government forced savings, the CPF OA account. I tried to understand why this person who shared this post was not very happy. Turns out, according to him, there is not just one scenario you need to think about. There is some in-sensibilities in that, some savings that could achieve, perhaps makes less of an impact in real world application. He felt there should be greater explanation. Writing blog articles and giving advice is not an easy job. Sometimes you have to think about who are your niche audience. Your niche audience might prefer you to abstract the details, and just tell them: which is better? A or ......