Comment by fragmede

In your spreadsheet , you have to include what is expected appreciation on the house, what is the mortgage interest rate, how much longer you have on that mortgage, your personal opinion on how well QQQ is going to do, how much you’re gonna want cash - your emergency fund for a rainy day, should be some N months of living expenses. Mix that all up in the spreadsheet, and come up with whatever feels good to you. There is no right answer, and my time machine isn't any better than yours, or anyone else's.