I know this has already been discussed to death but there are a lot of people on this forum that have researched/analysed this and probably know a lot more about it than I do so here goes.....if someone wants to give their input/insight:I have enough money in 2 CD's to pay my mortgage off.one is earning 2.75% thru 7/2015 the other is earning 5.5% thru 9/2012interest rate on my mortgage is 5.75% but is due to adjust to prime + 2% in march 2011 (my extra principal payments for many years have put balance to under 50K) payment monthly is $840 (includes taxes/insurance)earnings per year on CD's approx $1500interest paid yearly on mortgage approx $2100my tax bracket has been 25% but DH retired last year and if I get to retire at end of sept like I plan we should drop down to 15% tax bracketOn the surface it would appear to be a "no brainer"...pay $2100/earn $1500..net loss of $600 but I know there is more to it than just simple math.so what would you do? pay off mortgage or keep cash?note: this would NOT deplete our cash reserves and mortage is our ONLY debt