go2run wrote: ↑Wed Aug 17, 2022 11:06 amOP, you have been given good suggestion in the threads here. You either already had your mind made up what you should do, or are just flat out missing the point.
Your question of taking existing cash flow to either pay down principal or invest comes down to a pure numbers game. lakpr put together a good analysis of what returns you would need in your investments to be better than what you are paying in your mortgage. Others have suggested at looking to refinance and to me that is one of the quickest ways you can improve your situation. Going to a 15 yr mortgage will likely yield a better rate and will allow you pay down your debt quicker. You can have best of both worlds..yield a better rate and continue to invest extra cash flow in your taxable account. Why would you not consider that?
My logic of paying off the mortgage early is because why should I pay the bank 5.85% in interest just for them to have their shiny building when I have my own money to pay down the mortgage ? In 30 years that 350k of interest making the bank richer and robbing me of that money.