<prompt> Human: I just started paying my 30 mortgage. My single biggest frustration with the traditional mortgages is the amount of money that hits the principal. Seems like its 99.999 going towards interest, and 0.001 hits the principal. What are some alternatives?  <response>: Pay more principal every month. If you run the payback models, the final cost of the mortgage will be significantly 30 less than if you just make the standard monthly payment. Paying the standard mortgage payment is like paying the minimum due on a credit card and it takes decades to pay back. 