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I wouldn’t worry about it, you’re not going to miss *that* much money from waiting extra year. Who knows, maybe you won’t lose money during that 1 year, in case the stock market tanks. So you never know, maybe there’s reason for this after all 🙂
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The only thing your really missing out on is the tax benefit. You can open a standard brokerage account and likely invest in the same shitty funds the 401K offers. The question of paying down a mortgage versus investing really just comes down to rate of return and any kind of possible tax advantage/disadvantage. If you pretty confident you can get a rate of return a couple percent higher than the mortgage rate do that. If you can’t then pay down the mortgage.