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paying off principal of home vs. investing in mutual fund
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i wouldn't pay down your mortgage faster until you have a huge emergency fund.  like two years' worth of expenses.  once you put extra money toward principal you can't get it out unless you get a heloc, which costs money.  you're in a position now to build that up in a hurry.  i suggest you do so. your mortgage is excellent.  in the land of inflation it gets easier and easier to make that fixed-dollar payment: depreciating dollars. you seem like a go-getter.  once you have your huge emergency fund, why not buy a few websites and monetize the heck out of them?  or look for an investment property from someone who needs to sell desperately? get a cushion that you can do something with.
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