If you trust yourself not to touch the accruing pile of cash then you are better off not overpaying. That said, you need to figure out what your net-of-tax interest rate is - at 3.5% you are definitely better off in cash, but if rates come down 100 bps you might be better overpaying.
If you trust yourself not to touch the accruing pile of cash then you are better off not overpaying. That said, you need to figure out what your net-of-tax interest rate is - at 3.5% you are definitely better off in cash, but if rates come down 100 bps you might be better overpaying.