<prompt> Human: Ive had a townhouse for four years now. I would like to pay off my mortgage as soon as possible. I have an emergency fund, I am investing a percentage into retirements, and I have no debt.I have been paying an additional 150 towards principal each month, but that isnt moving the needle quick enough.I moved through these other financial steps quickly. Now I feel like I am stuck. What are some practical things I could do to help pay off my mortgage as soon as possible?  <response>: There is no secret formula here or magic money system. The only way to pay off your mortgage is to apply more to the principle each month. If the needle isnt moving fast enough for you, get a second job and apply even more to the principle. Best thing to do is squeeze the budget more. I use YNAB which is great for that, but thats just one way. I like your mindset though, get that paid off and get that weight off your shoulders. 