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Thanks to all for your replies and info.
Going forward, I will probably do a "hybrid" of paying off mortgage and buliding up short-term savings/investments.
I understand the advantages of carying mortgage while getting better returns and tax deduction. But I also like the freedom and lower monthly expenses of no mortgage. For now will probably go with something like a 75/25 split of every extra toward mortgage/savings.
Since mortgage is still fairly high, about 50% equity, I figure more money toward it early on makes bigger difference. That coupled with the market being mostly sideways, with still a good chance of correction (IMHO) is my reasoning. If market changes drastically, I will look at re-adjusting.
Also, with all tax advantaged accounts maxed, I feel I will conservatively have more than enough and can use something like Roth conversion ladders when house is paid, not working as much or at all, and limit tax exposre that way.

Thanks again to everyone and I appreciate any more thoughts, opinions, suggestions.

Kevin
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