In general I agree but a 3% interest rate(fixed) on a mortgage is free money in today’s world. I wouldn’t pay it off.
I think it’s a mistake not to pay that mortgage off, even at 3%. Pay it off. Then, until retirement, put the amount you were paying on it to maximize a Roth CD savings account. I did that, and even with the low interest for quite a few years (this year’s renewal was a bit better), it becomes a very nice asset that you don’t have to access until you want to, and when you do, the taxes are already paid on it. Think of it this way....instead of paying 3% to borrow money, you’ll be collecting 3% on saved money.