For an upcoming story on NerdWallet, I'm seeking anyone who has the means to pay down a mortgage early but you're choosing to do other things with your money because your mortgage interest rate is super low. Maybe you're investing that money instead, or saving for college, or a financial advisor has suggested you do something else more helpful with it? I'd love to hear from you.

I became a first time home owner in 2021, locking in a 3.2% interest rate. I'm hesitant to pay down my mortgage early because I'm concerned about high inflation in the future. The cost of borrowing for my house is predictable, but everything else seems to be getting more expensive. The money that might have been used to pay down my mortgage is allocated between investing in the stock market and a high-yield savings account.

Yes, we're doing just that with a house we own at 2.83%, and a car 1% on $25k that we paid on, feeling that it was better to earn more interest in stocks, and money markets when it was at 5%, which now we're looking at moving into more stocks as it goes down.