<prompt> Human: I am a first time home buyer and thus first time mortgage owner and had a odd idea. I have a 300K home loan at 3.7537; fixed. I was thinking of attempting to try to match my principal payment amounts to what Im paying in interest by way of extra principal payments each month. So for example, if on my first payment Im paying 936 in interest and 453 to principal, then make an extra 483 payment toward principal. The idea being that at no point will I have paid more in interest than Ive invested into the home.I realize that this is a purely physiological ideal in trying to maintain that...and Ive calculated that over the next 6 years, that would be something like an extra 27K in principal payments than if I did just minimum payments. My question is... is this a dumb idea? Should I just forget that and try to investsave that money for other stuff. I figure well be in the home about 7 years before we need to move again, so should I just save this money for a down payment on my next home?Any thoughts are welcome!  <response>: If you owe a debt, paying if off is rarely a bad idea. 