Should I reduce my DCA and pay down my mortgage instead during this downturn?

**Hey everyone,**

Like many of you, I’ve been thinking a lot about how to handle my finances during this economic downturn. I’m reaching out to get your thoughts on where to park my money for the foreseeable future—hopefully just the short term.

Up until now, I’ve been consistently dollar-cost averaging into the S&P 500 each month, which has been going well. Normally, I’d continue with that strategy since I’m still far from retirement.

About two years ago, my wife and I were fortunate enough to purchase a multi-family home in Queens, NY with an interest rate in the mid-4% range. Given the recent market volatility—and what seems like more uncertainty ahead—I’m considering two possible changes to our current plan:

**Option A:** Lower our monthly investment into the market and redirect that money toward extra mortgage payments.
**Option B:** Lower our monthly investment and move that money into our high-yield savings account (HYSA), then make a larger lump-sum payment toward the mortgage at the end of the year.

That said, a part of me still thinks I should just stay the course and continue investing into the S&P 500 as usual.

I’d love to hear what you all think. What would you do in this situation?

Thanks in advance!