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I’d use it to pay my mortgage. That would bring me down to like $6k (bought this place a long time ago on foreclosure, so it was cheap but it’s a piece of shit place, so tradeoff). I’d then just pay the remaining 6k from savings and have zero leftover savings (but that would replenish eventually), and be done with it forever. That would feel amazing and take a lot of stress off my fixed income situation.
What's the interest rate? Rarely is it worth paying off the mortgage.
It’s low, but I’m not employed, living on disability and savings, so the sooner I pay it off the better. I’d be much better off not spending my full payment every month for the mortgage.
In general you are correct though, and I’m not actually in a hurry to pay it off because I don’t have enough to do so. But if I got the bulk of it suddenly for only one day, and could pay the rest from what I already had, absolutely.