BrewCrew02

The only problem with this example is that all of your savings are tied up in retirement accounts which could be subject to a penalty if distributed early. With interest rates this low you would be better off saving the money instead of putting the cash toward extra principal payments (mortgage rate is likely 4% vs. the 6% annual return you are expecting). Debt isn't necessarily a bad thing if you can get a greater return elsewhere on the use of that cash.