Are You Going to Pay Off a 2.5% Mortgage?

KP: Money is nothing more than a tool that allows us to accomplish our goals. If your number one goal over retirement, over financial independence, or everything else is to be debt free, I think that has to come into the conversation. Instead of you paying off your mortgage, instead of you putting that in there, why don't you figure out whatever that extra you're going to pay? KP: You can pick the index to something low-cost and just dollar cost average,. Just start dumping that extra into like a low-cost index fund. It seems very likely to me that for a 38-year-old who's invested in a well-diversified portfolio with risk