<prompt> Human: So I looked at the flow chart thing for this subreddit and maybe Im blind, but it doesnt have a spot for when to focus on mortgage. As it gets excluded in the moderate interest debt decision.Additionally, my parents always make me listen to this guy named Dave Ramsay and he recommends doing 15 retirement savings and then all other income goes to paying off mortgage.Like why is 15 retirement savings higher priority than mortgage andor why is mortgage higher priority than more than 15 retirement savings?  <response>: Most non-Dave Ramsey people dont accelerate a mortgage at all because they believe they can make more in the market. That doesnt mean paying it down is a bad decision, its a personal decision, which is why its personal finance. 