#1 concern is the age old question - invest or pay extra to the mortgage. #2 is what is the FIRE plan - right now, it's only an idea with no detailsIt looks like Decath and I do the same thing. Sometimes I pay the mortgage early, sometimes not. The interest rate is so low that paying it off isn't worth it from a mathematical point of view. But having it payed off would be relaxing.I also don't know what FIRE means. In 3 years I should have enough to be FI. It will be a pretty lean FI, but FI all the same. Three years after that I will have enough to RE and be reasonably comfortable - but then what? I have to figure that out. My kids are young, my wife is younger than me . . . . .and health care is always a conundrum, or a 500 pound gorilla. Man plans and God laughs.
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