Is This a Wealth Building Opportunity?

You want her to feel like she's part of this decision. Instead of what you would pay off that mortgage with, set up that investment account. Abetween you and your spouse, start dollar cost averaging every month into an index fund. And look at this in three to five years, and then ask yourself, do we want to take this money to pay off, pay down the mortgage, or do we Want to keep on our wealth building journey?