This needs to be at the top. If you locked in a 3% or under interest rate for 30 years it’s literally illogical to pay off your mortgage. That money would be better put to use in another investment or holding cash in a HYSA that yields over 3%.

The sub 5-6% interest rates were a result of the housing crash. Prior to 2008/2009 the rates were pretty much where they are now.

No one can for sure tell if we’ll ever see rates so low again.

Cheap/low interest debt is good when compare to inflation.