<prompt> Human: Background: Im 36 currently have an outstanding line of credit on my house of 175k assessed at 370k so about 190k in equity, 120k in mutual funds, and about 30k to 40k in other investments. I have no other debt, and the line of credit on my house is at 1 because I work for an FI that offers it as a benefit. I also co-own a rental property. This is a burner account as I dont want to associate my finances with my other reddit account.Looks like Im going to sell my rental property and pocket about 65 to 70k after tax because the person I co-own it with wants out. Im trying to figure out what I should do with this money - should I pay down my house or invest this money?If I put the money towards my mortgage, Ill likely be mortgage free by age 40, which would be really nice. I currently put down about 2500month towards the LOC, which would be freed up once the mortgage is paid off. If I invest the money, I could earn 2 risk free, but I get taxed on the interest at 40, so it seems almost not worth it. Im leaning towards something relatively low risk, as I have quite a bit of exposure to the stock market with my mutual funds and investments. Also, I live in a country that doesnt allow me to write off the interest on my personal property, so to me it sounds wise to pay of the mortgage, but the low interest rate on my LOC makes me wonder if thats the best option. Whats the best choice here? Is there a calculation to do to figure out the benefits of a low mortgage vs. investing? Also, are there any other low-risk investments other GICs that I should look at?  <response>: Let me ask you this. If you currently had a mortgage balance of 105K, would you borrow 70K against that home in order to invest it?If so, why have you chosen to not pull more equity out now and invest it?I think the math makes sense on paper, but you might not be considering the risk. By asking the question that way, youre considering risk in the equation now.Id pay down the debt and get out of debt as fast as possible. Without any payments youll have plenty of liquidity to invest, spend, etc. 