To clarify a bit more — we’re *almost* CC debt free (will be in April, still have one card to go). Both my husband and I contribute to our employers’ 401(k)s and receive the full match (not much, but ‘free money’). We’re still relatively young (both 31) and have our 401(k)s as our “stock market” money — our portfolios are invested pretty aggressively, with less than 10% in “safe” investments like bonds.

For us, we’re looking at the long-term in regard to the mortgage. Don’t particularly want that hanging over our heads if and when we have children who will be going to college in 20 years.