<prompt> Human: If someone has a mortgage at 3 interest, and that person has excess cash on hand after emergency fund, full 401k and full Roth, would you recommend putting that cash to paying off the mortgage early or taking that cash and putting it into investments?  <response>: This is what I posted in another thread thats just as applicable here:Youre going to get varying levels of advice on this. You currently carry a debt at 3. The 3 is tax advantaged though so the effective rate will be a little less than thatThe main question to ask yourself is this: Would you prefer a guaranteed return on the 3 debt or would you rather invest it elsewhere with the possibility of earning more than 3? 