Yeah, the tax changes of 2017 scrambled the former calculus of keeping a mortgage on your house. I did lock in an awesome rate during the Fed's ZIRP times otherwise I probably would've paid off the loan sometime since then. Even with that awesome rate I gauge it as only a slight win, financially, to hold onto the mortgage and pay it with proceeds from conservative investments. Adding in the emotional cost to that... well, it doesn't have to be a big emotional cost to tip the balance. I may pay it off later this year just to simplify my monthly budget.