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As far as the mortgage strategy is concerned, on paper it makes sense to maximize other investment strategies first. However, debt is also a personal comfort thing. I hate debt so I always paid a few hundred extra every month towards my mortgage anyway. -- Metal

That's right! Sometimes I think "Maybe I should make an extra large payment once a year to drive it down quickly" because I'd like to not have a mortgage either. But, after thinking about it, I can't justify it for myself financially.

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