[Can i say that here?]

There is also a large emotional component to making these decisions. We live in the home my wife grew up in. We're out in the country w/acreage and have no intentions of ever leaving.

The idea of owning our home outright means A LOT to my wife. Happy wife, happy life.

Additionally, my career field is a bit volitile. While things are going well, our goal is to minimize our monthly expenses. If we have no payments, the stress level in our home drops dramatically when we think about the times when I may not do as well.

As a guy, all caught on the math and the logic, I'm all for doing what makes the most money. As the husband to a woman who values security, I have no problem with fulfilling my wifes needs for security and stability.

[speekinout]

I've always been a fan of the "sleep well" strategy of money management.
This matters to your wife, and there are financial experts who would approve.

So, logic would say that you sleep well with the decision to pay off the mortgage. Sounds right to me.