<prompt> Human: So I have money coming to me in a few months through a small inheritance, and I was all set to pay off my mortgage with those funds. I felt that the peace of mind I would receive by paying it off would make up for the difference I could make between the 4.375 and investing the in a Vanguard index fund.But then I saw the 2.25 15 year option, and felt that it would be worth refinancing and investing the cash instead.I have a balance of 68k, 24 years left on the current 30 year mtg. current PI 424.39New 15 year mortgage costs about 5,000, which Im wrapping into the loan, so 73k for 15 years. pI 478.21I think its a no-brainer, but I would like to hear from you guys. Am I making a good choice? I couldnt pass up on the 2.5 rate!Any help would be appreciated thanks!  <response>: Yeah take the 2.25 and invest the rest of the money. You will make more than 2.25 back in your investment. 