["I think after I pay off the mortgage, I'll be pretty happy in life.", 'That would be awesome!  You would be in such a great situation in life with that payment gone!  What prompted you to want to do it?', 'You mean get the mortgage?']
No, to pay it off.  Are you pushing to finish it up sooner than you normally would?
I think after I pay off the mortgage, I'll be pretty happy in life.