Depends on the interest rate of your mortgage and if you’ll incur a penalty for early withdrawal, but generally speaking, no. With regard to the early withdrawal penalty, the magic number is 59 and ½. Let’s say your mortgage interest is 5% or lower. If your investments are earning more than that, why take money from your investments to pay off your debt on which you are paying less than what your investments are earning? Put another way, that extra $1000 a month is essentially earning you 5% interest (or whatever your morrgage rate is) when you pay it back, but you could earn more than 5% if you invest it. But as I say, YMMV, depending on your situation.