<prompt> Human: I cant figure out what I should do in my situation. Right now Im living in my new homewith bf of 10 years off and on and its not the home Ill be talking about. Ive had my first house for almost 7 years and refinanced 5 years ago. 4.25 interest 30 year loan. After the refinance the loan was for 121000.139000 orig I now owe around 98700 on this loan. The rent I get after fees is 960 month with my total cost being 760 with tax and insurance. So 200 month over expenses. It is rented under market by 250 since it was rented in low season according to the property manager. That will be fixed as its ridiculous Im the same cost as the junky town homes, a mile away. I plan on keeping this home for at least 15 plus years as a rental. The only reason I hadnt paid much more extra in the past is because my now xBF stopped me from wasting money on it I could have easily dumped 500 a month extra into it all these years. Now that money is gone and spent on eating out, vacations, etc. Ive also wanted todo nice things to the house and every time he talked me out of it and into the bare updates. I call it junky updates that Im just going to want to redo and all that money was wasted on a lipstick job.Heres my question- I can buckle down and pay it off in 5.5 years if I try. Or should I put the extra money I was planning to spend on it to save for another house? Which Id like to buy in around 5 years in another city. While keeping my current old house as a rental. Unless value goes up like crazy and I cash that in. HelpAlso I feel like if I dont spend this money on these things it would be spent on things my now xbf wants for this house. He is constantly talking about renovations. The house is Fine! Hes a penny pincher with his money, just not with mine. Like, Im the one who put 35k down on our new house. He paid for fees which really meant I paid for an additional half of those fees. Yes, my x and I live together as room mates currently and at least thats working out.  <response>: Why does he get to decide how you spend your money? Tell him if he wants to make improvements to your current place he can spend his own money. You put yours where it makes sense for you. 