as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
3-year horizon before trading up to next home: put windfall in savings, or pay off mortgage?
user
a few points to consider - welcome to money.se. this is not a discussion board, but rather, a site to ask and answer personal finance questions that are factual in nature. your question is great, in my opinion, but it's a question that has no answer, it's opinion-based. so i'm slipping this in to help you, and suggest you visit the site to see the great q&a we've accumulated over the years.
assistant