<prompt> Human: Reason for post: My dad 55 believes I should never pay off a 4.5 mortgage. My grandfather his dad at 80 years old believes paying off debt is very important and should be a current goal for me.What are the views of different generations millennial through baby boomer and what is the cause for them?  <response>: Paying off debt decreases risk. Sounds like your grandfather is more risk-averse than your dad. 