<prompt> Human: Every month after all my bills are paid I have about 400 left over. For about the past year Ive just been paying an extra 400 toward my mortgage. Ive always heard its a good idea to pay off your house as soon as you can but I just feel like that money could be put to better use. I already have 15 going into my 401k at work and have about 35k in my savings account just sitting there. I guess you could call it an emergency fund but I doubt I need that much. Just looking for some suggestions. Thanks in advance.EDIT: Im 28 yo and am only 1 year into making house payments.Assistant: Whats the interest rate on your mortgage? Are you paying PMI? Do you have any other debts?Human: my interest rate is 3.92. No PMI and no other debts.  <response>: Yeah, at that rate you may want to consider maxing out a Roth IRA with the 400 a month or something, if youre not already doing that. But as kurds_way said, you probably wont regret paying down your mortgage so I wouldnt say its a bad idea. Also if youve got 35k just sitting in a savings account you should find something better to do with that. Keep an appropriate amount there as an emergency fund, but the rest should be going to work for you in some kind of investment. 