First, congratulations! Second, don't try to "time the bubble". Instead think about your goals. What do you actually want, and what is best for you (and your

First, congratulations! Second, don't try to "time the bubble". Instead think about your goals. What do you actually want, and what is best for you (and your family if applicable). What's going to make your life more meaningful? What would make it a better story if someone were to tell it? If cashing in now and moving someplace cheaper is in line with your goals, then do it! If staying put and finishing off the mortgage is a better match, then so be it. Lastly, financial independence doesn't have to mean not working. I'm still 10-15 years away from that point, but I certainly plan to keep working well after I have enough to retire. I'll just have a bit more flexibility in what I choose to work on.