<prompt> Human: I max out the federal 401k and my Roth IRA anually and have a 6month surplus.Savinginvesting 20 of my salary took me awhile to work up to this but it feels awesomeWhere do I go from here? Ive got another 1k per month roughly that I feel like I should be doing something with either:1. Start throwing it at the mortgage principle 3.75 30yr fixed...ive got 27yrs to go2. Invest it in something a little risky to try and get some bigger gains.I missed the early crypto boom, but is this a good place to start buying? If not, any other recommendations?  <response>: Why not a taxable brokerage? Wanting to invest is fine, but youre severely limiting your options if you think the only additional investment option you have is cryptocurrency. Cryptocurrency is a highly speculative investment, I would not recommend making it a significant part of your portfolio. 