 all of the money that you were using to pay these extra payments do me a favor put in your brokerage account okay just build up the brokerage account that's that's the number one thing now the next do you have enough to retire at age 60 yes you probably do because what you'll do at age 60 is you will stop you'll cease earning your 200 grand but you know you don't spend that much money 50 uh 60 grand a year