re: When does it make sense, mathematically, to accelerate mortgage payments?

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Math and feelings are 2 different things, bro.

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Not always. It is possible to assign values to feelings.

For example, how much would it be worth it to me to have less stress at work? Would I take a $50k pay cut for less stress or maybe just $5k? How much of a pay cut would I take to work 3 days per week? How much of a raise would I need make me work in in an office 5 days a week?

That similar process/mentality can be applied to the mortgage situation. Mortgage payments are some level of stress for everyone. Each person can decide if that is a big value or small value and analyze accordingly.