<prompt> Human: Does it make sense at all to ignore my 401K for 10-15 years, instead paying off my mortgage in 15-20 years early? I was thinking that if I did this, I would have no debt, which would leave me in a great position to save everything. With mortgage interest rates the way that they work, if I pay at the standard rate, Ill generally be paying double the sell price for my house. And, in 10-15 years, I may make less money from my 401K contributions than what Ive paid to the banks. So... does it make sense to scrap the 401K, focus on the house, and then come back to it when Im debt free? Or, is this stupid for reasons Im not thinking about? I know I get a tax break with a house, but Im not sure if the math makes keeping the mortgage going for an extended period really worth it. Im curious what people think.  <response>: This is a really bad idea. Interest rates right now are great! You are leaving out compound interest. You will make way more on your money by investing. I dont like debt either but mathematically this is much worse idea. 