Share your insights or perspective on the financial matter presented in the input.

60% Downpayment on house?
I would lean towards making a smaller down payment and hanging onto savings for flexibility. Questions to think about: If you have enough cash that you can make a huge down payment and still have all the other bases covered, then it comes down to your risk tolerance and personal style.  You can almost definitely build a portfolio that will beat your mortgage rate on average over the long term, but with more risk and volatility.  Heck, you could make a 20% down payment on another house and rent it out.