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@spacct2 OP is assuming interest rates stay high for full 10 years, and mortgage rates don't pump to 8 to 9%, if he isn't fixed for term of the mortgage, doesn't make my information any less valid, i showed it could be done, and showed yes the savings are nice but it keeps you locked in the...

@spacct2 yes but did answer OP question, he has to make the decision, it was clear for me, salty debt slaves gonna be salty, it is how the system gets you, it is designed that way, rebellion can't happen with your nose to the grindstone.

@honoluluwindow i paid my mortgage off in 2011, at age 34, i had 35k outstanding and had about 40k in savings, for me my only goal was to pay off my mortgage, which would of continued until 2029, i used the small amount had left to build a nest egg to secure my future, by starting a business...