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.
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60% downpayment on house?
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if you decide you need the extra money, you can always go refinance and get more cash out.  at the end of the day, though, if you pay off your house sooner you can invest more of your income sooner; that's just a matter of discipline.
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