Skip to navigationSkip to main contentSkip to right columnADVERTISEMENTAditi GangulyMon, June 29, 2026 at 4:30 PM GMT+2 8 min readF01 Photo/ShutterstockMoneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.Homeowners' biggest monthly expense is usually their mortgage. But if they get far enough along in their loan term, they may find themselves in the enviable position of being able to pay it off in full early.If they choose not to, it might mean they are taking the calculated gamble that investing the money will reap long-term returns that surpass the lender's interest.Top PicksDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake —