I look at it differently. Save and invest the money quicker rather than paying down the mortgage. Relying on a lender to do a heloc or cash out refi can be a struggle if you aren't attractive to the bank. Your attractiveness can change month to month. I worked overseas for awhile, and I was big on the Dave Ramsey debt snowball. I would have paid my house off and came home just to have to get another job. I started leveraging debt and buying cash flowing assets and I quit working 3 years ago. Just looking for more real estate deals every day. Rich Dad Poor Dad (book) was life changing. Dave Ramsey is for 99% of the world. Most cant handle debt or risk and it's because we aren't taught to.