I am not the least alarmed about your debt levels. Yet. I want to know more about your income and savings levels. I suspect you've some ballast on the other side of the teeter-totter, er, balance sheet. Care to share so those of us mustachians who understand living in HCOLAs may provide helpful Information? Those shoot from the hip sell-sell-sell people are best ignored until we have a fuller picture.
And before the pushback begins, please note two things:
1. OP did not mention how much equity he has in his (or her) home or how much was put down. 3.65% is pretty darn good for a jumbo loan, so I suspect there was a significant DP. If you can't wrap your head around a million dollar mortgage, but feel the need to comment anyway, pretend OP lives in BF Nowhere and lop off a zero. But expecting OP to actually move there to fit your personal paradigm isn't particularly helpful.
2. Remember that the great and powerful AREBELSPY achieved FIRE with multiple mortgages AND student loans. Now he's a world traveler and proud papa of the adorable Annabel. Please don't think it can't be done. ARS and his lovely spouse were teachers, and they made it happen.
Also you might be a good fit for the Boglehead forums too.
Yeah, no. That once great site has turned over and the strings are being pulled by new hands. Sad to see. Much better to get acquainted with jlcollinsnh's stock series.
Back to OP, I see our posts are about to cross, so perhaps you've added more info. Off to read more...