I crunched some numbers, and the difference came out to losing a couple grand a year over the course of a decade by paying it off now. I decided I'd rather have fewer bills and no debt looming overhead while I figure this out than the slight extra cash.
I don't doubt that it saves you money in the long run, but my point is if you're planning on not working and not making real money for a very long time you're better off with the mortgage and a LOT more cash laying around.
