Happy new year to you as well, hope the year is off to a good start for you.
Thanks for the comment and interesting point on the mortgage.
I look at it a bit differently. What I did with my housing decision was to buy the "least amount of house" my wife and I would be comfortable with which helped us limit the size of the mortgage.
But, once we had that mortgage we have been in no hurry to pay it off. In fact, we are in the process of refinancing it at a rate of about 1.6%.
For me personally, I like having the liquidity and the upside of investing extra money rather than throwing it at mortgage with 1.6% rate.
So by limiting the size of the mortgage and then focusing on investing we try and keep out costs low, and focus on building that passive investment income, trying to hit both sides of the equation.
But, I realize not everyone shares that view.