<prompt> Human: my so and I make about 130K together. we just purchased a house havent closed yet thats 465K were doing 20 down. we want to pay it off in 5 years. were 25 and 24, so we have plenty of time.does it make sense to pay off so early or just pay it off according to the 30 year schedule at 3.99. I am 100 confident that a recession or significant dip will happen in the economy in the next 5 years. my logic is that i would be better off waiting until that happens and then putting a lot of money into the stock market.we plan on living in this house indefinitely. finally, the house is in a hot market greater boston, if that makes any difference.  <response>: Time in the market beats timing the market. Rather than waiting for the ideal time to invest, in the long run youre better off simply getting your money into the market. 