Originally Posted by
notEnuf
Housing has a cost throughout your life, shifting it forward only increases the burden earlier.
I agree with living within your means. I also have a 2.25% mortgage and a nice (IMHO) house.
This. I considered paying off our house during Covid then did a bunch of research and talking with professionals. I refinanced into a stupid low interest loan instead and kept the money I was going to be using to pay it off making money for me. The same with the decreased monthly payment.