<prompt> Human: Hello Everyone, I just wanted to say thanks to the personal finance community. I have been a longtime lurker for years, and after crowdsourcing knowledge from you guys, I managed to move into a unique financial situation considering my age and income. Now I have a question for the community. Due to me quadrupling mortgage payments and paying off my home within two years instead of the agreed to term of 15 years, are there any repercussions tax wise that I should look out for? Although my bank account is low at the moment, my next paycheck will be the first where I do not have a car payment or a mortgage payment. Given that my salary is 67k and my girlfriends salary is 70k, that money will add up relatively quickly in an area with a somewhat low cost of living. Rather than letting all of this money sit in checking, I plan on opening up an IRA and doubling up on what I am contributing to my 401k and HSA. Is there anything else that I could or should be doing financially? If you were in my shoes, how would you manage your money? If you had a clean slate with no debt and little expenses in life, what would you do with your money?  <response>: Id stick with keep doing what your good at. If you can pay off a 15 year mortgage in two years, why not buy another property and repeat the process. In another two years youll have more than doubled your assets as youll also be receiving additional income from rent. You could probably pay a lower down payment on second home since you can use your current home as collateral. Id stay away from stock pickingday trading since itd be new to you and youll most likely lose it to learning the ins and outs of trading. 