re: When to pay off the mortgage

I don't anticipate paying off my mortgage early....but if I do, it would be when I turn 59.5 and have access to my ROTH IRA. I'd prefer to avoid taxable events if possible. If I'm paying off my mortgage early it's going to be via a lump sum. I don't see the point of paying an extra amount each month. It decreases my liquidity, but it doesn't decrease my monthly payments (although it does reduce the number of months you have remaining).

Edit: Even if the goal was to pay off your mortgage early, you would be able to pay it off faster if you kept the funds allocated for extra payments towards the principal invested until you can lump sum the rest of the balance of the mortgage.