<prompt> Human: I see alot of people talking about adding money to a roth and trying to figure out which index to invest in or a stock. I was sitting down the other day and starting to think about which etffund to invest in, when I thought, I have a mortgage, why in the heck should i invest 20,000 or so, when I can refi my mortgage, get a lower rate. The interest I would save would probably be more than any investment over the next 20yrs.So, thats my question to all the finance gurus or everyone out there with a mortgage roth. Why keep adding to the roth when our mortgage is sitting there?  <response>: You dont want to end up with no mortgage but also no money. And you dont want to end up with a pile of money thats negated by your mortgage.Blend the two strategies, and keep in mind that the Roth tax shelter is awesome and has limits. Investing early helps you take advantage of that tax shelter as much as you can. 