<prompt> Human: Hi! My wife and I are 28 and we earn around 90,000 a year combined. We have about 230k left on our mortgage. We plan on staying in this area for the long run. We are not sure if paying down the mortgage is a good idea when you weigh it against tax benefits and or extra investments. The loan rate is 3.375. We both have company matched roth accounts. Any advice on approaching this?  <response>: Im of the somewhat controversial position that extra payments toward the mortgage are always worthwhile, even if you could earn a higher return on that money elsewhere. You can never live in your other investments, and if times gets tough, it is an enormous load off your shoulders to know that youll always have a roof over your head provided you can pay the property taxes. The 100 correct rpersonalfinance answer is that you should only pay down your mortgage if you cant get a yield in excess of your mortgage interest rate in other investments, and at 3.375, you certainly should be able to get more bang for your buck elsewhere. 