<prompt> Human: Scenario 1: i keep putting 400month into retirement, which my employer matches. In 10 years that would add up to about 96k. Plus I have paid off 100k on my house. So about 200k in assets gained. With about 50k of mortgage debt left. Scenario 2 If I instead put the 400 on my house each month, I can pay it off in 10 years. I owe 156k on the mortgage--15 yr loan, 3.375. So 156k in assets gained. But I saved 15k in interest and have zero debt. And the next 5 years of house payment money to invest. What are the advantages of each scenario? Also, Im obviously not a money guy-what am I overlooking here? Assistant: Tax deduction on interest paid to mortgage. Also, I would assume that you are making more than 3.375 on your retirement, and getting the employer match. I too was tempted to pay down my mortgage, but at 3.375, there is not much savings on interest.Human: But paying it off after ten years lets me invest 5 years of mortgage payments that otherwise Id be paying on the house. Dint you think thats worth considering?  <response>: youd be missing out on a lot of time, and thats the most important factor in compounding interest 