Excellent story. I am able to pay off my mortgage too. But I choose not to. I refinanced around a year ago to a 20 yr loan at 2.5%. I have a large amount in a savings account earning 4.35%. If my mortgage was a higher interest I would consider paying off. But with rate on it so low. Hard to take the plunge. Interest rates on savings and cds are at decade highs. Only downside is interest is taxed as ordinary income.