house is just a thing. I will likely dump my house when my kids all leave over the next 10 years. I still have $200,000 in equity but paying down the mortgage doesn't help me buy low and sell high at this point. I use my extra money to increase my business or buy a separate property at a low price to sell when the market it high.

My most recent example was a small commercial condo. I paid $58,000 for it and 2 years later was offered $90,000 for it. Would have been a horrible idea to use that $58,000 to pay down my mortgage.