As the title says, our monthly expenses are around4500-$5000 with mortgage and HOA is $1800/month. We owe $263k with 2.75% and have 25 years remaining to pay off. That’s the only debt we have. Our net income is $6400 without our investment income which is $1200 from our treasury. I didn’t touch our investment income and kept reinvesting. If we pay extra $600 a month, we can pay off our mortgage in 10 years earlier . Should we pay extra $600 or invest and saved that $600. We have $350k in treasury and $165k in 401k. We also have $700k equity in our home and owned 3 cars outright 2024 Tesla Y and 2016 Infiniti qx60 plus 2013 Camry.