For sake of discussion What if one takes that 7% money to make double payments. Invest in something that makes more than 7%

I did the math on that in 2018 when we bought our place. What I did was projected what our net worth would be after 30 years in two different scenarios.

Scenario A - put all of investment budget into mortgage until it's paid off. Then after the mortgage is paid off, put all of that investment budget into your actual investment, mutual funds for most.

Scenario B - pay minimum on mortgage for 30 years. Put remainder of investment budget into an investment, such as mutual funds.

Before running the numbers, I figured scenario A would win since you pay less interest and have all those years with more going toward an investment. I was wrong. Scenario B won by a long shot. That was with a 4.5% mortgage. I believe stock market averages 8% over time. Add in inflation, and paying minimum on debt wins big time. Of course, that assumes one puts more funds forth to invest than the minimum mortgage payment. If one blows their excess funds on vacations and boats, debt should probably be paid off ASAP.

People have to run their own numbers and decide what they are comfortable with. If you can't run your own numbers, best to just get rid of your debt ASAP.