PA - I`m no financial planner, but since you are already used to spending the money on debt payments every month, you might consider to keep "spending" that money and fund a Roth IRA or similar (either by opening up one or "super-funding" one you may already have). You could stock-pile a LOT for retirement that way. Certainly not telling you what to do with your money - hope that doesn`t come across that way. Just brought it up as that`s what I will be doing fairly soon. There`s also an argument to not paying off your mortgage early, and using the extra money to fund an interest bearing account instead. There`s a Youtube video on it somewhere with examples, the returns compounded over time were pretty insane. No matter how you do it, just keep on truckin` and major congrats on the pay-off
edit - found the video
https://www.youtube.com/watch?v=oR-SxrPPqRc&t=671s
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