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Gosh, the market is like the movie "Dead Calm"! It has been a long time since I have seen it so calm - especially at the top of the market.

I have so many friends, co-workers and family members who are focused on paying down their mortgages. I paid a little extra here and there, but not much.  Why shouldn't you pay down your mortgage?

First, mortgage rates are very low. Let's say 4%.