<prompt> Human: Hello,Ive just got a few years left on my mortgage.Principal balance 43,726.84 Current interest rate 3.87500 Monthly payment amount 1,854.52 Original loan amount 133,000.00 Original maturity date 07012019 Payoff fee: 75 I finally have enough saved up to safely IMO pay off the remaining amount. I would have about 20,000 left. My monthly cash flow is about 300month including this mortgage. At this point however Im wondering if there are better things I could be doing with my current balance than just paying out that mortgage.Thanks in advance for any feedback and advice!  <response>: I suggest you pay it off. You will be debt free, and think of it like this,you will have earned 3.875 guaranteed on your 43k, since you dont have to pay it anymore. Earning 3.875 is not bad, and you will have no worries about any mortgage payment, it will increase your cashflow from then onwards on a monthly basis. Debt is really bad, stay away from it, or get rid of it ASAP specially if its above 0.99 