<prompt> Human: House is all the debt we 35M 30F have left. The balance is just under 10k. We have 11k in savings and around 2k in checking. The savings is our emergency fund that would float us for 5-6 months of a tight budget if we lost both our jobs though both have good security. Were expecting our first kid in about 3 weeks. We have awesome insurance that covers 90 maternity care after deductable, and weve prepaid the estimated out of pocket cost already. All the foreseeable needs of the kid for its first year have either been taken care of, or we know we can float it through normal income. We also have two paid-for vehicles that wont need to be replaced for 1-2 more years at the earliest.If it werent for the baby on the way, I would clean out the savings and pay this balance off in a heart beat. All of our financial and personal goals revolve around when the house gets paid off.If it were you, would you pay off the balance in full? Or make a big payment now, to shorten its life? Or keep the savings and continue on our schedule to pay it off in 7-12 months? Please include rationale for your opinion. THANKS!  <response>: Someone with a baby on the way should have a solid emergency fund. You should not sacrifice that. 