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Spend enough on beer and you reduce the odds of surviving even further...
All this stuff is weird though - what feels right probably isn't always technically the best answer - I overpay on mortgage too even though it's not as tax efficient (gives more flexibility against property price crash etc, though)
andyfallsoff-
I don't like dealing with money, so I definitely err towards smashing the mortgage because the quicker I can pay that off the less money those arseholes at the bank get and I don't feel I've a thing hanging over me vs. having to think about where to invest or how much to contribute to the pension etc.
Humans are risk averse generally and I'm probably more risk averse in this regard.
hippy
But the quicker I pay off mortgage, the more money I have for beer whereas I'll be dead before I can even get to my pension.
Fair point though. I have some other salary sacrifice saving things running. What I might do is when they expire/mature I'll stick that into pension instead. Then, I won't notice any difference to my spending money and can overpay randomly if I feel flush