When you look at all of your interests/goals, it seems pretty clear that the one goal that may be standing in the way of everything else is the goal to pay off your house in 9 more years. If you let that go, you can cut your hours at work substantially, enjoy more family time, focus on your health and have plenty of disposable income to enjoy life. Sounds like a pretty good trade to me. Then it’s just a matter of a re-fi or a sale, depending upon whether it is more important to you to lock in your gains or to have continuity and stay in the house.
