Have a mtg, but am growing cash in an “offset” savings account. When the accumulating cash equals the declining mtg balance, BAM! I’ll pay it off. Sure, I could just put the extra cash against the debt and save some mtg interest expense, but I just don’t think now is a good time to lose that liquidity. YMMV.


"Keep your mouth shut, work hard. Life is tough. Work through it.” -- Stetson Bennett, Quarterback, Georgia Bulldogs