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Paying Off Principal of Home vs. Investing In Mutual Fund
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.