My preference is balance. A 15 year note is a strong attack on your mortgage debt. I'd like to see you start putting money into a Roth IRA and then playing around with some good performing individual stocks.
The key to wealth: Invest your money and spend what's left, not the OPPOSITE. Put your investments on autopilot. That means auto withdrawal from you checking account. You can do that with individual stocks by allocating X amount of money a month into your trade account to invest. Have a real balance sheet. Take you monthly net income and expenses and analyze them. Where can you wittle down your expenses?
With all that said, don't forget to have fun along the way. Sometimes we need to put our nose to the grind stone, but without some fun, it will eventually fizzle out.
Good luck!
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Todd
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