<prompt> Human: We owe about 145K on our house and Im pumping about 2k in extra principle payments a month. Im wondering if I should be more aggressive and try to hit the 4kmonth mark by putting a halt on our IRA accounts. This is all motivated by us expecting a baby next year. Well be growing out of our 11 place real quick. We wouldnt want to move into a new home until weve payed off our home and saved up for a new one. Edit: Requested infoCurrent mortgage is at 3.5, 15 years left, payments are 1kmonth.  <response>: Theres something funny about your math.The contribution limit is 5500year. If youre a married couple, you can double that to 11,000year. So, that comes to 915 per month. So, lets say that without halting your IRA contribution, you can can contribute 3100 per month in principal payments. By halting them, you can contribute 4000 per month to mortgage paydown.I ran the numbers through a mortgage early payment calculator hereIf you keep your IRA contributions, youll pay off the mortgage around November 2017. If you give up the IRA contributions, youll pay off the mortgage around March 2017. So, youre giving up 2.5 years of IRA contributions in order to pay your mortgage off eight months early. Is that worth it to you? Well youre going to have to decide that. 