 or aren't an investor at all, like you just keep all your money in cash and CDs or almost entirely in bonds, then paying off your home quicker or paying cash might make sense. If you're paying 4% or 5% interest on your mortgage and you're only earning 1% or 2% with your liquid investments, yeah, you're crazy not to pay it off. You're certainly paying more in interest than you're earning on those dollars.