Thanks for your thoughtful comment John.

I’m not sure what your disagreement is about. Is it that I say it’s financially foolish in most cases to pay off a mortgage more rapidly than required?

It seems like you actually agree with that assertion, and took action yourself that aligns with my thinking.

If it’s that there is (non-financial) value to the peace of mind people get from being debt-free, I agree with that statement. I just think it’s not financially savvy. Especially given that when you (say) make an extra month’s payment annually (e.g., paying half your monthly mortgage payment every other week), you’re actually less safe from foreclosure than if you took that extra money and invested it.

Of course, once you’ve fully paid off your mortgage, that’s safer, but you could get the best of both worlds by investing the extra dollars every year, and once your investment is worth more than the mortgage payoff amount, decide if you want to simply sell the investments and pay off the loan.