Well, as you know, we brought up our boys to be cash on the barrel type people. If you can't afford to pay cash for it, you don't buy it, other than of course, a house, or a car - big purchases. If we ever had any extra cash, it always went toward the mortgage. Further down the line, you will find that having put the money toward that mortgage is an excellent plan, especially when you are getting close to retirement years as we are.
MIL who is soooo excited about the grandbaby.