<prompt> Human: The basic question is should we pay off the house and if not what should we be doing with our money. By the end of the year we should have enough to finish paying off the mortgage about 90k which is sitting at 3.75 15 year. My question is should we pay it off or is their an alternative investment vehicle that we could put it in that would allow us to earn a higher rate of return while ensuring that our risk is relatively close to zero? I think the market will tank soon so this is my thinking After running some numbers the actual interest on the house after the tax breaks is close to 3.5 so that would have to be the number to beat. Pros Cons are welcome or personal experience would be very desirable. Thank you very much reddit community for your time and patience.  <response>: Sounds like you should pay it off.I highly doubt you will find an almost zero risk investment vehicle above 3.5. I dont know of one. But if you find it let me know, well actually nevermind dont let me know as I would not believe you.However you can also do both, diversify your risk. Pay part on mortage and part on investments, then you can weather more risk. 