<prompt> Human: She only has to pay off a car and she wants to put it towards paying off the mortgage on her house. I personally think she should continue to pay the mortgage, pay off the car, and use the money to invest in an IRA or something similar. Or at least to talk to a financial adviser. Would paying off a house right away or investing your money be a better investment over time?  <response>: She should probably do whats best for her comfort level. Unless she is looking for outside advice. 