Lisa,
I agree with you and your financial planner. We are at 4.75% on our mortgage and although we aren't nearly close to paying it off (we are fairly young and it's only 3 years old), we would invest extra funds (as we do now) that yield more than that 4.75% over time. Heck, even a local bank offers more than that in interest on a checking/savings account. I also think it's a matter of what you are comfortable with. Some people are just not comfortable investing or finding ways to better use their money. Hey, that's cool. It's just not where I am at

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Proud to say I haven't shopped at a Wal-Mart since Sept 2003