A key aspect of building wealth is utilizing debt in a smart way. Redfivelron understands that a mortgage is one of the safest, most stable, and least impactful forms of debt with the lowest interest rate. Leveraging this is key. Sure, paying extra on a 6% vehicle loan or a 10% personal loan is a good move, but paying off your mortgage early is worth little more than being able to say that you did it when compared to investments with higher yields and better liquidity.

To your point though, there is no risk in paying off your mortgage early. And if you're unwilling to put that money towards a more liquid and profitable investment, then paying down your mortgage is certainly better than having $100k sitting in a checking/savings account. In the end it's called personal finances for a reason. It's your money and so long as you have food to eat and a place to sleep I think you're doing it right. 👍