<prompt> Human: Im not sure what Im asking. Im a single 25-30 year old, dont make much money, been on my own since 16 and bought a house in October for 51k. After down payment and a little added to principal Im currently down to 44k. Ive only been adding 103 to my 407 mortgage. Im just curious if this is a good idea? Should i be trying to pay it off sooner? Should i not even worry about it? Im assuming Ill be in the house for at least five years. I have about 20k in savings and make roughly 14 an hour at a job i hate and ive been considering quitting and taking an even less paying job. I have very little skills and little schooling. I basically didnt have patents so i had no one to teach me this shit. Im not sure what to do or what to even ask. I suck with grammar so i apologize if it was an annoying read. Assistant: Overpaying is always good as long as everything else is in order. It means less interest and less time to actually own your houseHuman: Yeah i just didnt know if i should be throwing more at it or how often. I think i should keep trying to build up a savings and emergency fund. I guess Im not really sure how to budget  <response>: Definitely build up your emergency fund, as a homeowner it will come in more handy than you think. 