re: Best way to payoff mortgage early?

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Not sure why I have this urgency to pay it off

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It's a natural reaction to want to get rid of monthly obligations. Best way to look at it is to find a free amortization schedule and play around with your additional payment amount. That will let you know when you would have it paid off if you put XXX additional towards the principal. You could then create a quick schedule to see how much you would have if you put the same in an investment and make your decisions from there.

I would do a combo of the 2, I like to round my payments up to the next $100 ($500 for mortgage payment), but that's the OCD in me.