<prompt> Human: Would you pay it off? I have a 54k mortgage principle balance and 74k in savings. Itd leave me with a smaller savings account balance then Id like. Thinking that afterwards i can save much faster without a monthly mortgage payment of 1,500; just save it.  <response>: Yes, pay it. With the extra 1500 saved each month it wont take long to replenish your savings. Plus, without the payment, 20k savings should be plenty for an emergency eventloss of job. 