[menzoic]

All debt isn't the same. I see it as savings when the debt is backed by an asset like a a mortgage is, then paying it down gives you more equity in the asset. If you sell the home, this equity converts into cash. You could also get another low interest loan with the equity. It's just as much savings as a 401k which can go up or down but generally up in value over long periods of time. Paying off another type of debt like student loan debt doesn't have the same benefits.