If a substantial amount of funds suddenly becomes available, many people will consider whether to use it to pay off their mortgage early. This idea seems reasonable, but in reality, it requires weighing multiple factors. First, we need to consider the current mortgage Intrerest Rate compared to the potential returns from other investment channels. If the investment market can provide returns higher than the mortgage Intrerest Rate, then it may be wiser to use the funds for investment. Second, while paying off the mortgage early can reduce long-term Interest expenses, it will also decrease Liquidity, which may affect the ability to handle emergencies. Additionally, the tax deduction policy for mortgages is also a factor to consider. Therefore, when deciding whether to pay off the mortgage early, it is advisable to comprehensively assess personal financial status, risk tolerance, and long-term financial goals to make the most suitable choice.