<prompt> Human: I have about 115,000 in Non-Retirement Accounts earning about 8 a year for the past 10 years. If i was to cash all that in, i would pay roughly 10,000 in capital gains at the 15 tax rate leaving me about 105,000 only about half of the 115,000 is subject to capital gains. I currently have a 280,000 mortgage at 3.625. My thought was to cash the 115,000 in and put the 105,000 toward the house. However, since the investments are earning 8 vs my 3.625 mortgage, if i let the investments sit for a little while longer it will earn more than what my mortgage is costing me and will allow me to put a larger portion toward the mortgage at a future date. I feel that if i was to cash out the 115,000 and it would pay my house off 100, it would be a no brainer to do it. But since this will only pay off roughly 13 of my mortgage balance, i should sit tight with the money until im closer to paying it off 100.Also, if i did this transaction i would not deplete any emergency funds as i still have that saved in an actual savings account. I also have Roth IRAs and a 401K that im contributing toward regularly. The 115,000 is just extra money that i had prior to buying a house.  <response>: No real economic reason to pay off a low interest mortgage. Honestly its not a good decision. Id much rather have cash than equity. 