<prompt> Human: Im 29, wife is 28. We currently have about 25k each in our Roth. We have 40k in savings. No car payments, no other debt besides the house. We owe about 116 and currently have a 4.8 interest rate on a 30. She approached me with the idea of stopping our 700 monthly Roth contribution and throwing it all at the house. I initially said no way, we will come out way ahead on our retirement account in the long run. Thinking about it all night, I really like the idea of having my house paid off before 35. We are currently on pace to have it paid off in 11, so is this radical idea truly radical? Assistant: Thanks for your responses, it would seem that my initial thought of no way is the general consensus. I liked your points that you cant go back in time and it will not be regained. I showed her the line graph of a Roth and says we have to deal with these flat years so that when the mythical compound interest kicks in we will be ready to make the most out of it. Ive never put much holding in the mortgage interest deduction but its certainly something to remember.Human: Alternatively, if youve got good equity in the house, you can do a no-money-down refinance and get your rates much lower than 4.8 on a 30. It should be more like 3.8 right now on a 30, but with your equity and monthly payment, you could refi to a 15 year with MUCH lower rates than 3.8. Youd save a fair bit in interest, and still pay it down soon. Thats what I would do if I were you.Dont sacrifice the roth to pay down the mortgage early. The house equity is just sitting there not earning anything. The roth is going to grow tax free and is liquid you can take back principal if you really need it. Assistant: The thing that bothers me about going to a 15... if something bad happens we could afford our current house payment by working at Burger King. Could we make it work? Probably. But it could be scary.  <response>: Dont do a 15. Yes, youll get a lower rate, but not too much lower. I prefer to give the wiggle room if something happens. Refinance at 30, pay as if it were a 15. 