I've struggled as well. Then I looked at investments, and I'm doing about 16% a year vs a 2.8% mortgage. Doesn't make sense to pay off the mortgage. Even though I no longer have enough write offs to need the mortgage interest deduction, it still doesn't make sense.
So, balance what your money can do for you in the market. The increase in home values in TV - historically 6% or so, will probably go up to 10% annual as so many people are moving to Florida and we are a magnet in TV.
It's a tough call..
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