 And the big one is that you could miss out on higher returns from investing. If your mortgage is three and a half percent and you earn six or 7% or 8% or 10% with money that you're not paying extra onto your home, it's simple math. You end up with way more money, which is why at the beginning I said, if you're a bad investor or you don't invest, maybe this isn't a good idea. But if you're someone who believes you can earn money,