kids grown, already retirement age it is all baby step 2 to us. So I can’t really advise you. How soon will you have kids going off to college? That could be a huge deciding factor. If the kids are still really young I’d say, just my personal opinion here, to get the rental paid off so you will have that money to help fund the future college/tech school fund. If they are in their teens, then I’d get the college fund done first.