 that might even stress you out to the point where it's negatively impacting your health or your peace of mind, then yeah, by all means, you probably shouldn't have a mortgage. And if you want to pay cash for your house or pay off your mortgage quicker, for those reasons, it's your money. It's fine. We have plenty of clients at Creative Planning who have their houses paid off. However, there are many disadvantages to paying off your mortgage early, such as you have less money for higher interest debt,