Step Six: Pay-Off Your Mortgage
You have no more credit card, no loans, you have 6 months of emergency funds, with savings for your retirement and the future.
Now is the time to focus on paying off your mortgage. It can take decades to pay but you can pay it off years earlier if you make additional payments now (but be careful with early repayment penalties).
Don't be distracted by suggestions that you can remortgage your house and stocks will pay more. This is a terrible advise as the interest in the house is definitely going to happen but the profit with stocks is not certain.
Using your house to get money with a view of paying it back more rigorously is a flawed idea. If you can't pay more now, what makes you think you can pay it more later?
Don't lose focus now. You already have done the hard work and your future looks a lot brighter.