trail rat,
no froth old chap. i just wanted to counter the oft made 'you might not make it to retirement' argument, which while undoubtedly true for some, most of us are likely to live well in to retirement, so providing for that eventuality makes sense. you are of course correct in what you say regarding locking up money you can't access in a pension if you plan to stop working earlier, but i had figured that as the OP was weighing up paying off mortgage versus putting in to pension they weren't really in that position. sorry for confusion or misunderstanding - not my intention.
there is also an emotional benefit to paying off the mortgage which can't be overlooked. some people just prefer to get that squared away so that they don't have another bill hanging over them if things go pear-shaped on the income front in the future.
It took me a moment or two to realise that this thread was not about whether it’s best to put the central heating on or pay into a pension once you’ve covered your mortgage.
I’m now left wondering about some of my life choices…
