<prompt> Human: Let me start with I have no debt besides my mortgage small student loan super low interest rate. I have a 401k unmatched that I max out annually a pension plan. My retirement savings isnt too bad for my age. I put an extra 550 a month into an investment account, plus I divert another 500 a month from my paycheck into a savings account and use it as a slush fund. Im wondering if its more worth it for me to make an extra monthly principle payment of 1050 a month and skip the investment. Doing the math Id save a ton on interest and pay down the loan quickly. While I believe in the benefit of investing, not having a mortgage YEARS sooner while still being of working age seems like a better position to be in. My house has already gained a lot in equity. Thoughts? Edit- I do have money in the investment account Wealthfront thats liquid should I need it. Not gonna pull it. Just thinking of not adding to it for a while.  <response>: Since youve already started investing for retirement, and it sounds like you have an adequate emergency fund my suggestion would be pay down your mortgage and other debt as fast as you can. Being debt free as soon as possible should be your goal, given that you have enough liquid investments for emergencies if needed.Getting rid of your debts in a rising interest rate environment is also crucial, while your mortgage payments may be manageable right now your cash flow may be squeezed down the road if interest rates keep rising. Eliminating your mortgage as soon as possible in light of this should be your priority.Edit - spelling 