$300/month (at the beginning of the month) invested over 30 years, compounded annually at 6% = $198,290.40
If you kept that going for a full 50 years, the last 20 years of interest really starts to ramp up and gives you a final value of $1,084,402.22
If instead, you ONLY paid the mortgage for 30 years, then invest the full mortgage payment of $2,648 into the investment account for the next 20 years (a total of 50 years out. Same end point) you would have an investment account worth $1,215,042.49
So, even in your scenario it is still a loss to take a 50 year over the 30 year, and the 300$ difference is negligible. If $300 was the difference of someone being able to afford groceries or not for the month, then they should not have qualified for a $2,648/mo mortgage.













Sorry I am over an hour or two past your posting of this, but in the future you should know about vagal maneuvers. Assuming you are stable and no other compounding medical issues are occuring.
https://my.clevelandclinic.org/health/treatments/22227-vagal-maneuvers
Specifically, the modified valsalva. Start by sitting on the ground or in a bed then, begin breathing out intensly while holding your mouth and nose closed for about 20 to 30 seconds, then quickly roll directly back onto your back and bring your knees up to your chest. Hold there for about 30 seconds. You should feel your heart rate drop into the normal range rapidly. If this does not work, try one of the other methods. Cold water on the face (diving method) is also a very common one done at home.