I had planned on paying off our house in the next couple of years. I then realized my money market account is paying 4.1% and my mortgage is 3.25%. If I use my savings to pay off my mortgage it will cost me money. Also if I were to pay off my house with savings and then I had to borrow money for repairs or vehicle then I would have to borrow at a rate much higher than the mortgage rate. I will still have it paid off sooner than its due but Im not throwing extra while I can make money with it in a money market.I was in a similar situation in 2020, I ended up putting $50k down on a $230k loan, 30 yrs@3.85%. I used the other money to build a small shop and any other expenses that popped up, and they did. I’m glad I did, it dropped my payment…….and then the taxes and insurance entered the picture. To this day, I still pay more than the required payment and extra when/if I get taxes back or a bonus. My plan is to have it paid off in less than 20yrs.