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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.

That's how I see it too.

At 3.25 where my mortgage is with an additional 25%+local tax discount subtracted as well, I would have to be seeing really bad results on the horizon for the money I am investing to make that trade off.

Not taking out a mtg, with all the additional costs involved can be different, but an existing mtg? I definitely decided not to pay mine down, and have played a lot of spreadsheets to determine if I should actually take out a bit more before my wife calls it quits, but although financially prudent I don't really 'need' it, so why bother, though I do like someone else cutting those Property related tax and insurance checks while I pay mtg with autopay. That give me more time to do nothing in the manner I most enjoy.
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