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There is a return on investment that is impossible to quantify that you get when paying off a mortgage. Yea on paper it doesn’t get you a better return but IRL there is a qualitative return that can’t be measured that’s only positive.

As someone who is wealthy, I value having as few debtors as possible. It's really not rocket science.

I firmly believe that you can’t be truly exited from fiat if you have fiat debt.

It’s something Dave Ramsey gets right.

I could've put more money into my mortgage and I would have a smaller debt now. Instead, I went all in on btc. I could pay off my mortgage in full now if I wanted and still have btc left over.

Through their Greener Homes Initiative, the Canadian government is offering me a 10-year, interest-free loan for $40,000 CAD (0.25 BTC) to get solar, upgrade my doors and windows, etc. I’ve done the math. It makes sense (it will replace my power bill with a loan payment). But I just can’t do it. I just don’t want the debt, especially 10 years of it.

I think if you can't easily pay off your mortgage with a small % of your savings, then play the long game.