<prompt> Human: I just refinanced my mortgage did not extend term, just lowered rate and Ill have about 300 extra per month, plus I wont have a payment in August. I will be laid off at the end of November and will get severance and bonuses, around 25k and I have 6-months of expenses in savings. My spouse and I are torn about what to do with the money we are saving on our mortgage: put into savings or pay off a couple things. I know its not a lot of extra money and its a temporary situation but we want to be as prepared as possible before the uncertainty of being unemployed. Advice appreciated.  <response>: Put most in savings but invest in your next career move. 