So 800% is bad, right? Thing is, we secured the debt at 1% over 30 years, so it’s not hard to service. Thanks to inflation we’re basically being paid to have the loan. I think mortgage debt is in a very different bucket to other kinds of debt.

They're talking debt-to-disposable income ratio, which ChatGPT tells me means "Debt over in income after tax." I don't think this is necessarily descriptive of someone's financial situation. I'm over 400% debt-to-disposable income, but I could pay off my mortgage in a week if that made financial sense.

If you've got investments returning more than your loan rate costs you, I don't know why you'd pay down your loan any sooner than you had to.