“Just as paying off a low-interest mortgage early isn’t always the best financial decision”
yeah but after the house is paid off, you can borrow up to the limit on it and invest the money.
Well now we're off on a whole other tangent! :D
You could make the argument that it would be better to invest the extra money that you'd use to pre-pay the mortgage today because of the time-value of said money. Give it more years to grow.
But in my particular case, unless I come into a lump-sum of cash (inheritance or similar) I don't see me prepaying on my current mortgage. I managed to refi when rates bounced low a few months ago and now have a 15 year note at 3.75%; not much point to prepaying that since the per-month accrued interest isn't much and the rate is so low. The only real benefit would be peace of mind.