<prompt> Human: Does being a terrible investment factor into strategies for paying off debt? I purchased my home in 2006 for 400k and its fallen over 100k in value. My loan has 250k and 18 years left at 3.75. While I dont hate living here, I do feel trapped; the HOA fees keep going up, supply in the area keeps increasing, and I have no faith it will recover in value. I do think its near the bottom now, but who knows, especially at higher interest rates.Thanks to a super lucky windfall this year, Im now sitting on 400k cash. I know I can put that into the market and likely make more than 3.75, but I dont believe doing that all at once is a recommended strategy ?. Plus, you know, were deep into a bull market run ..or are we!.Anyone have thoughts on paying off all or some of the mortgage? At 3.75 and stagnant value, I dont see how it makes sense. But a small part of me wishes it did because thatd be easier than finding somewhere else to put the cash which Ive already sat on for 7 months, and having noreduced mortgage is enticing. Seems hard to justify though.Maybe Im missing something? Any insight would be super appreciated!  <response>: unless youre going to need the money in the next few years, invest it. 