 So I'm just wondering, would it be best given our situation to kind of just start stacking cash right now in preparation of eventually selling this house and buying a new one, or should I continue to just do the 15% investing, pay down the mortgage until that time comes? Well, Tom, the good news is paying off your mortgage is stacking up cash. It's a forced savings plan. And so here's what I did. We paid off our home, and then we rolled all of that equity, 100% equity, into that next home purchase.