<prompt> Human: I got a mortgage of 230k two years ago at 3.75 interest for a 30 yr mortgage. Ive had no trouble making payments. Ive gradually upped my 401k contribution as my salary has increased, so I now contribute 15 employer match and Ive maxed out my IRA. I keep doing different retirement calculators and Im on track. I dont have an HSA account as my healthcare plan is low deductible and cheap since the company I work for foots most of the bill. My emergency fund 1 year of my expenses is fully funded. So my question is: what to I do with money I have leftover at the end of each month? I could just keep sticking it in a savings account with my emergency fund, but that seems like a bad use. Is there any reason I shouldnt use the money towards paying down my principle faster?  <response>: With current 30 yr conventional mortgage above 4.0 now and rising, you are at an advantage to not pay it off. I would max out your hsa and 401k first, the entire 18.5k plus your spouses 401k or spousal Ira contribution, then after that then start with Roth Ira, paying down mortgage, 529,or investing in taxable accounts depending on long term goals. 