When interest rates ease, what’s the smartest way to put your extra cash to work - pay down the mortgage, invest, or a mix of both? In this episode, Nigel Grant (Head of Wealth Products, ASB) and Ngaire Angus (Head of Wealth Distribution, ASB) unpack the trade-offs between reducing debt and growing your investments. They share practical insights on finding the right balance for your financial goals and highlight common pitfalls to watch out for.