<prompt> Human: Alright, Ill make this is concise as I can:For the sake of setting the scene:I am self-employed and work from my house. My wife works remotely for a start-up. Late twenties, no kids yet. Later this year all of our debt other than our house will be paid off. Weve been in our current house for 3 years 30yr mortgage 4.25 We have 12 months of expenses saved in an emergency fund. Both have Roth IRAs that combined are around 50k. For what its worth, my wife also has stock in the startup. Could be nothing, could be a alot in the next five years. Nothing to rely on though. After doing some quick math I came up with a plan that would put all of our extra money into our mortgage and in 42 months have it paid off. Why I love this plan: I feel like this plan is nicely suited to our lifestyle because 1 We like our home and location and can imagine staying here indefinitely andor it becoming a rental if we move 2 I am not interested in super early retirement. I really enjoy my job on a level that brings me fulfillment so not doing it isnt really something Ill consider for at least 15 years. 3 I feel this could be my wifes last job as she also freelancers in an industry she is more passionate about. Having less bills needing less money needing to work less.My ask of you is: Am I foolish to pursue the semi-instant gratification of not having a mortgage instead of investing the extra money into something that will have greater return?Thanks for your time!  <response>: Not foolish, but investing would probably provide a higher return but its not guaranteed. I can see a lot of value in knowing youll always have a place to live. 