<prompt> Human: Im not sure how long well live in our current house - if we were planning to be here for the next 10-15 years, I might be inclined to make extra mortgage payments. But since were not, should we instead invest the money somehow? Im looking for some guidance on how to balance the two.  <response>: Important: interest rate vs profits. Also keep in mind that the profits of investments are most often not predictable, plus they are fluctuating over time. You profit from putting money in the mortgage by not having to pay interest anymore, so thats a predictable profit. Liquidity: it will be hard to take money out of the house, until you sell it or perhaps get a HELOC. Taking money out of a savings account is way easier, out of investments somewhere in between. Finally, remember that you can dont have to do 100 this or 100 that, you can also decide to put some money towards the mortgage, some towards shortterm savings and some towards investments. 