<prompt> Human: Just bought a house on a 30 yr fixed and can afford to put 50k per year into my mortgage or investments. If take the mortgage route, I can own my home in 5 years and start investing 75k per year. What does conventional wisdom dictate the smart move is? 44 years old and plan to retire at 60ish.  <response>: I know very, very few people who regret paying off their mortgage. That said, are you maxing out your 401k and Roth IRA if you qualify at this time? If not, Id max those out and then dump the rest into the home. 