<prompt> Human: Hello!Im outside of the US, but Ill convert to USD to simplify things.Im in my mid-20s and work full-time in a sector with quite good job prospects. Ive had a mortgage for a few years now, but I havent really been paying a lot of attention to it. I was brought up in a family where any kind of debt should be avoided at all costs, and if you end up with debt you should pay it off as soon as possible. With interest rates at the level they are now, I didnt think that was the best way to go.My situation:Post tax income of 2800-3000Apartment worth 85000 at purchase, probably a bit more nowMortgage of 580003 APR, with 30 tax rebate on interest putting me at 2.1 EAPR?Utilities, HOA and so on of 340 per monthPaying off mortgage at 175 per month on top of interestSavings of 17000 primarily in low rate index funds5500 emergency account low by US standards, but I dont own a car, have universal health care and good unemployment insurance, so emergencies arent quite the sameRetirement savings of around 20000 or so. Cant access these until retirement.No credit card debtNo personal loansIn the next few months Ill have a meeting with my bank to renegotiate my loan and payment plan, as the first few fixed rate years are about to end. Interest rates have dropped since I got my mortgage, so Im likely to end up with a lower interest rate. Variable interest rates are around 2 at my bank at the moment, but I could also renew my fixed mortgage which would range from 2 for one year fixed to 3.4 for 10 year fixed.These interest rates could probably be negotiated to a slightly lower level, and I could move my loan to another bank once my fixed-rate period ends for an even lower level. These rates are all before the tax rebate.Since effective interest rates are so low, I have only been paying off at a rate of 175 for the past few years. My thinking is that paying off mortgage at 2.1 effective APR is basically the same as paying into a 2.1 EAPR savings account, which is likely to be outperformed by index funds long term, but there would be very limited liquidity in the mortgage.My plan is to set up my new loan so that Ill pay the same amount interestpaying off mortgage I do now. That would mean I pay off my mortgage at a slightly accelerated pace of around 225 per month.The way Ive been brought up Id want to pay off the mortgage as soon as possible, but I dont think thats in my interest long term. Is my thinking right, or should I change the way Im dealing with my mortgage?  <response>: any kind of debt should be avoided at all costsThis is not a bad tip for most of people given the generally poor management of finance. But it is more an emotional way to handle finance than a mathematical way. You did the maths, they are clearly working for you. Trust yourself. 