<prompt> Human: Thanks in advance for any help - my husband and I are in that financial position where we make good money but really cant do anything with it. So heres our picture: we currently own and live in a condo in an iffy area that I have a feeling will go totally downhill in the next 5 years. The mortgage is only in my name, and the current payoff is 89,345.20 at 4.125. I currently earn 41k, and my husband is a contract employee earning 31hour until the end of the year I dont state an annual salary for him because there isnt one, he started in June and only has a guaranteed job until the end of December, doesnt get paid holidays, etc.. We currently have 60k in savings, and I have a retirement account through work that I put in the max match on with my employer.We are planning on fully funding our Roths by the end of the year, so thats 11k right there gone out of savings, leaving us with around 58k if we keep our current savings trend up. I want an emergency fund of at least 20k, so thats 38k remaining at the end of the year. My husband wants to take around 25-28k of that and pay down our mortgage and I am not in agreement with him right now. I feel like his employment situation and our housing situation is too unsure. That would leave us next to nothing for a downpayment if we needed to move. So, Im looking for advice on what you guys would do with the other chunk of savings that we have once we get the Roths out of the way. Is he right in that we need to pay down the mortgage to help with the interest? The only other debt we have is a car loan about a year old that will be down to 6,600 or so owed at 0.9 interest by the time we need to make this decision. We got it solely to build my husbands credit because hes an immigrant and weve had a nightmare of a time building it - so I guess we could pay that off too. As a side note, and feel free to skip this if you just want to answer the mortgage question - my husband is hellbent on us renting our condo out to either a stranger Im against or my brother Im meh on. If its my brother, we basically wouldnt be making a profit as hes in a bad financial situation and wed be helping him out - I feel like this puts us in a very precarious situation if were not making anything off of the condo - what happens when something breaks and were trying to manage another house? I also doubt we could get approved for anything substantially better than what weve got while Im floating the other mortgage alone on my lower salary.Any advice is appreciated!  <response>: With so many unknowns, the security of liquid assets is much more valuable. 