My resolution this year was to kill the mortgage. I have a plan... But it's not very fun. Taking it one day at a time. I started the year at $101,690.94. I'm down to $86,459.75. Next payment is for March. Basically, the plan is to pay $8600 additional on top of my $1137 payment. It will draw down my savings, $31k, by about $3700 a month... It'll take 78% of my paycheck... Likely I won't quite make it by November, as planned... But as long as I finish in December that's no big deal. When I finish, building back up the e fund will be quick, as my fixed costs will be down to $1500. I considered a lot of different ways to do it... Paying a larger lump earlier... But in the end I decided the even payments were the best way to balance risk with getting the job done. I want to use the low fixed costs to start a business, so I'm not too worried about the opportunity cost. This could be derailed if I lose my job... Tech industry can be volatile. Will be an educational year no matter what! Q: How to celebrate when I finish?