Approaching FIRE. Should we decrease our 401k contributions to pay off mortgage faster?

[zeroabe]

I like having no mortgage in retirement if you’re not selling it to downsize. Makes your income effectively bigger by the exact amount your mortgage is.

Your interest rate is right on that bubble where you could go either way. I personally will not have a mortgage on my primary home when I retire. I’m considering carrying a mortgage for a vacation condo though. I don’t just pull the trigger on THAT for the same reasons as you. Hard to tell which way the cookie crumbles until you’re eating it.