Sokolka...
Nice job at such a young age...
I agree with having the emergency fund and putting the rest to work..
It took me a while to convince the Wife to not tie too much money into the house... She understands now..
As Greg said, the house will stay flat in value , while you double your money over time.
For some, paying off more on the house "feels" better, but good luck trying to get the money out if you should need it...Banks suck..
I prefer to have my money at work, 24/7, and my House loan rate low...
Then I control my money.. I have people with paid off houses because they were afraid of the market... Now they cannot access their money and they live on a tight budget...
Of Course , never an annuity, EVER...But I think you know that..
Well done...At your age I was just getting started, and I still ended up retiring at 52...Due to health reasons, but i still was able to do it...
YOU....Oh my, you will retire when ever you want at this rate..