Please respond to the following question: If you had the financial capacity, would you pay off your mortgage early? Please provide a compelling analysis to support your answer.  This analysis should include Excel based amortization spreadsheets and additional calculations using Excel. Please attach any Excel based analyses to your post.

You should also use at least two additional sources of information to answer this question, which can be analyses by others (academic or otherwise), opinion pieces by others, or books by others. You do not need to attach your source material, but you should clearly reference the material (for example, with a web link if possible or a citation if the work is academic in nature).

Your answer can be Yes, No, or It Depends. Regardless of your exact answer, I will be grading you primarily on the strength of the analysis that you conducted and whether this analysis supports your final decision. A strong analysis will consider the pros and cons of paying off your mortgage, which means that you should consider both the financial costs and benefits (some, but not all, of which we have covered in class) as well as the emotional/personal costs and benefits.