shrug It kind of depends on your mortgage rate. If your rate is low it technically makes more sense to invest your money, as that'll have a great return. If

shrug It kind of depends on your mortgage rate. If your rate is low it technically makes more sense to invest your money, as that'll have a great return. If your mortgage rate is high, you might be better off paying extra each month against the principle as it'll drastically reduce how much you pay in interest over the course of the loan.