as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
more money towards down payment versus long-term investments
user
every payment you make on your house will already be increasing your equity in it.  for that reason alone, i'd recommend moving additional savings into other long-term funds.
assistant