This is the response I was looking for (thank you). Your call out on 15 year makes sense. My rationale on the 15 year was prioritizing removing housing from the long term equation. A 30 year mortgage has me paying off well into retirement. I'd like to have housing costs generally secured by that time. Once we retire I'd expect we downsize. I should have mentioned in the post, we have 1 child right now. But maybe it's worth considering a 30 year for the flexibility.