<prompt> Human: First time home buyer. I purchased a place for 175 and my mortgage outstanding is 140k.Ive never been one to carry debt. Ive bought all my cars usedcash. Ive been reading a lot on this subject and I cant really come to a conclusion.As far as payoff Im allocating 10 to my Roth. After the down payment I have 10,000 left. The rate is stupid low 3.4. If I allocate 1550 of my remaining bi-weekly check to the mortgage min payment extra principal I can have it pretty much done in 3.5 years. That gives me 400 per check to play with. Its not a lot but I can squander less eating out, turn the AC up, cheap vacations, pray my car doesnt die. I think a lot of people live on that or less so why cant I.I get the market thing but the stock market really scares me. I understand how compound interest works but as a pessimist I dont see the ideal return. I also fear losing my job, a lawsuit, or some unfortunate shit happening. If I really really had to disabled, low income I could qualify for welfare since a house and Roth isnt really an asset. Then again Im missing out on 3.5 years of returns.I was raised poor as far as my parents having a low salary. They were given a house and that was the only thing that got them through. If we had a mortgage we would be in the hood.Im a 26 year old who doesnt spend a lot or have any debt. I dont have any kids or an expensive gf lol. I figure when I do get that stuff I will have a lot of extra cash flow which will be cool. What to do? Is paying it off really dumb?  <response>: Having a paid for house and car, no debt and an emergency fund puts you in the Fuck You position. Boss being a prick...Fuck You. Oh you want me to work this weekend... Fuck You. Anyway you get the idea. You cant put a price on that kind of peace of mind. Best of luck to ya. 