 you can live with this so you may hear this advice and say who cares what she says I'm going to pay off this mortgage it would be a bad financial decision because we need access to your money you don't have that much liquidity and I think that it's important not to use that money up to pay down the mortgage because then if something if you did need to tap money you don't have it you know and you want to stay in this house and we don't want to force a sale so I would not pay it off