Would you do this?

[skives]

Just curious who here would completely stop their retirement investing if it meant they could pay their house off in under two years? I assume most would say no and age would matter a lot.

[Jluke]

What is your balance?

what is the rate?

will you be able to max your 401k (or similar) after the house is paid off?

Now to answer your question as posed:
I would contribute up to the employer match.

I would also contribute something to the Roth.

I would cut expenses in other areas, like cut out cable tv for two years before I would stop retirement savings.

[skives]

No this was just out of curiosity.

I am no doing this. Doesn't make since for me.

If I was in my early 20's I might do it.

[Jluke]

If I were close to retirement I would try to pay it off since any contributions wouldn’t have much time to grow.

Early 20s to pay it off would imply a unique financial situation (windfall, inheritance, silver spoon).

[kork13]

I'd definitely consider it at the very least. Most likely, I'd take the 401k down to any match available, then yeah, I'd be willing to send everything to the house. I might keep the Roth IRAs going, but it would depend on the specific situation. As I see it, sacrificing 2 years of retirement investing in order to have a paid for house & the ability to easily max out retirement from then on would be totally acceptable. For a young couple, that would mean you have very low expenses & strong investing for decades to come, and for an older couple, it would mean retiring without a house payment, this allowing your current retirement savings to go alot further.

ETA: I just looked at the numbers, and if we followed that plan, we actually could pay off our house within 2 years...! It would mean sacrificing all other savings goals for that time, but we'd own the $425k house free & clear! Wow, that's alot more tempting than I expected. We're likely going to PCS again within the next 1-2 years, though, so rather than pay off this house, we need to save up for the upcoming move. But wherever we end up next? .... That house might just find itself paid off very quickly....