As others have said, don’t touch the 401K and double up on payments. Keep a safe amount of money in savings (the 6 months expenses rule is a good one). I’d divert some of your savings (not all but some) to an IRA or brokerage account. I understand the feeling that the market is going to crash. It will inevitably hit a recession before you hit retirement age. That’s just the natural market cycle. But you aren’t so close to retirement you can’t recover from it. You have a historical low mortgage interest rate. I’d focus on building more wealth for retirement and work towards paying your house off over a 5 year period. That timeframe should allow you to get it knocked out without having to pull from your nest egg. The line of work you are in can take a toll on the body. There’s no telling when you might be forced to medically retire (hope it doesn’t happen to ya but I know a number of folks in the trades it has happened to). It might be a good idea to try and have enough wealth built up to float you until you can draw social security and from your 401K without penalty should that happen.