<prompt> Human: Filing jointly. 330K per year adjusted income. Only outstanding debt is 372K mortgage. Retirement account at work already maxed out in terms of monthly contributions. Should I use my income to more aggressively pay off my mortgage, or invest more in the stock market?  <response>: What is the interest rate? 4 and under, then invest, up to 5 think its a personal choice depending on appetite for risk, much over that then you should pay it down. 