<prompt> Human: So Ive head pros and cons for making extra mortgage payments vs investing that money instead, and was wondering what the PF community thought about what to do in my situation?- Unmarried 26 year old- No debt except mortgage- Bought a house 1 year ago 450k, 20 down, 30 yr fixed- 30k left in savings after furnishing home- 42k in 401k, now adding 28kyr includes employer match- 7200month net income after taxes 401kIve been putting an extra 500month into principal and saving the rest since the market has been too high to buy lately. My bank is USAA so Ive used invested in their mutual funds for years. I live frugally so my monthly expenses are low, and save most of my income. Thoughts of what to do?  <response>: If I could get a guaranteed 4 return on a savings account, Id probably park at least some percentage of my savings in it. Earning 4 is the same as paying down a loan at 4 so its not a terrible idea, imo. 