<prompt> Human: Im 29 years old with an annual income of 88k. I currently have 20k in retirement accounts and 145k in cash. 6 months ago I purchased a house valued at 125k and currently owe 87k on a 30 year mortgage. The interest and principal portion of my payment is 500 a month at an interest rate of 4.25. Should I pay off my mortgage today or just be more aggressive and pay it off in 5-10 years.  <response>: Id pay it off, then apply the former mortgage payment money to investmentsaving. 