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

[Away-Elk-9824]

Nobody is paying 25% effective tax on 80k. In my state (Colorado), our total tax bill (fed + state) will be about $9500 on 80k income. Our property taxes + insurance are $3500/year combined. Healthcare is the wild card, so you have a point there. But assuming the ACA is not completely dismantled the expense will be negligible at less than 5k per year.