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

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But if you pay off the loan you'll have a lot more cash on hand because you've stopped making loan payments No?

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I never said don’t pay it off. I said don’t pay the bank until you have enough to pay it off. As said put it into a bank account like a money market and earn interest and then when you have enough do a lump sum.

If you move or sell for example, it’s sure as hell nice to have the money in cash to put to the new home, rather then have more of your old mortgage paid off that you have to loan out or sell off in order to acquire.

At the end of the day living within your means and having a plan to pay off your mortgage and not continue it forever is a great financial plan, there’s really no bad plan just a good and better option.