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

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In my opinion, there is never a time that paying off your mortgage early is considered dumb.

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Dumb might seem harsh, but mathematically sound may be a better way to frame it.

That being said, people make emotional choices with money all the time, so paying off a house is no different. The question should be whether paying off a home early impedes your other financial goals. Most people unfortunately consider these things in a vacuum.