If you are trying to perform forward looking dollar cost averaging, then you're holding a larger cash allecation than you otherwise should. If the goal is not mathematic optimization, if the goal is to create the smallest possible fire number so that he can improve his chances of reaching it by the age of 35, then eliminating his housing payment could be a decision that's aligned with that goal,. In the long term, mathematically, it won't serve him, but in the short term it could be alligned.

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