<prompt> Human: Im 30 and my wife is 28. I spent last year working 2 full time contracts and we ended the year with about 150,000 extra in savings as a result. We owe about that much left on our mortgage. We both contribute the full 18k each to 401k plus employer matches mine adds 9 of my income hers is 6. We have no car, student loan, credit card, or any other debt apt from the mortgage.If we pay of the mortgage, we will have 30k left in savings. Our monthly expenses with mortgage is about 2500mo. Without mortgage is 1500mo. Our mortgage is also 3.75.Is it worth just paying it off? Is that my best option right now in life or something else? Im split on whether to pay it off or keep that cash more liquid.  <response>: Id pay it off and start throwing the bulk of your earnings into whatever financial instruments you want. Having your home paid off by 3028 is a great way to be gunning for a super-early retirement. 