OmNom posted:

The interest I'd save in paying it off is $1,000 at this point since I paid it down very aggressively last year. It's a savings of $250 a year over the next four years and I figured I could put the 4k towards another property or into a retirement vehicle.

I do agree with your perspective, the payoff cost would be easily recouped over the next few months. It must be a mental thing, I've worked my way up from nothing in my early 20's, and I guess I get a little paranoid about losing liquidity sometimes.