Even 'on the spreadsheet' it is borderline a wash. There is a very slight advantage to not paying it off depending on which state you live in and what their ta

Even 'on the spreadsheet' it is borderline a wash. There is a very slight advantage to not paying it off depending on which state you live in and what their tax rates are. Thats if you can get the hypothetical 2% loan and 8% ROI per year. Many people forget taxes in that mix. If you are comfortable with that go for it! Seriously. But paying it off simplified so many things in my life. I am now getting to a point where I could think about helping others with it. Which in and of itself is something you need to put thought into. Also if you have a huge sum of cash you want 'safe bets' and 'gamble bets' and 'medium bets'. Buying property is usually in the 'safe bet' area. 'safe bets' you can realistically borrow against if something goes wrong with the other two catagories.