You control the rate of money returned in beating the term of your home mortgage. You don't control the rate of gain in the markets. If you want to balance it y

You control the rate of money returned in beating the term of your home mortgage. You don't control the rate of gain in the markets. If you want to balance it you could just pay slow at first and pay into an investment account with extra money. At year, idk 10 (just pick) -- pay off your home mortgage aggressively. That's my 2-cents. Doing the math on things like cars, homes, investments -- beating the system is incidental. Much less in your control than you think. IDK maybe you'd end up with $5k more in 2040.