 Yeah, you're crazy not to pay it off. You're certainly paying more in interest than you're earning on those dollars. Maybe your mortgage is at a high interest rate, like you bought recently and your mortgage is 7.5%. I think paying that down quicker may be justified or making a larger down payment or not financing it might make sense. That's a whole lot different than paying cash or double paying on your mortgage when rates were at 3%. Another reason to pay it off is maybe that your number one priority isn't maximizing your money.