Hi, I am considering whether to pay off my mortgage in part or in full - not sure which and hoping for some suggestions. I currently owe 92k on a variable rate of 3.7%. I have 14 yrs left but over pay by ~700 each month. I have 111k in various deposit accounts ranging from 0.1%-1%. I have no other debt. My pension is maxed out at 25% p/m. My wife has no debt and has savings of ~ 20k. We have two kids ages 3 & 6. I am reluctant to pay off all of the mortgage all at once and would prefer to make a redemption of 20-30K now and pay off the balance over 4-5yrs. I am not overly financially savvy and the more forums I read the more paralysed I feel. I would also like to start long term savings/ investments for children's future but the more I read about investments in Ireland the more I steer away from it. I need to start putting my money to use as its earning next to nothing but am consumed with doubt and lack of confidence - a bit of "paralysis by analysis". I realise my questions are not new on this forum but would very much welcome any thoughts/ suggestions. Thanks James.