So here is the deal senpais.
>no debt except mortgage
>250/paycheck bi weekly savings rate
>3 mo savings in bank
If I put this 250 bi weekly extra money towards my mortgage it's paid off in 7years.
That's 45k total. My return on this investment is my monthly costs go down 550/month.
What other things could I be doing with this money to get a better return?
Always pay off your mortgage first. It's like free money if you consider the interests you don't have to pay for finishing it early.