<prompt> Human: She owes 135 on her house, house worth at least 250. Her and my dad have been land lords for 20 year. All properties are paid off. She would love to eliminate her monthly house payment. But she knows that she should make the money work for her at the same time.Shes inheriting another 200k in a 401k and Iranot sure if thats what they called it or not and will transfer her 401k from her old job to the account those will be in. Her house and truck payment are her only debt.  <response>: First off, paying off a mortgage is a guaranteed return of whatever interest rate she currently has, so it is an investment in that sense.Other practical questions would be things like: Does your mother want to manage another property? What age is she? Does she need the extra income? How long before she wants to retire? Does she have other long-term needsgoals?There is no one correct answer for everyone without asking more questions. 