Oh god please someone answer this . I saw them the night before at Thalia hall and it was incredible . If we don ' t hear anything Lizzie , I ' ll email someone from castle face . <| sep |> What good does paying off the mortgage even sooner ? for one thing , you won ' t be adding 3 . 99 % each year to the break even on your real estate investment . For another , you free up cash flow . Finally , if things go sideways and you lose your job for a period of time , you will either have no mortgage payments to meet or it will be dramatically lower . Can you pay your mortgage if you had to work at minimum wage ? I lose the interest deduction on such cheap debt you ' re still paying it though . You aren ' t getting back 100 % of the interest paid . You save your marginal tax rate while being able to save money in a market that can give me 7 %~? 7 % in a tax free account is 1 . 9 x what you get from your mortgage