Like the others have said, that interest rate on a 15 yr mortgage is killing it already, if you don't have any credit card debt DON'T get any and start a Roth IRA, I have accounts at both Schwab and Fidelity and both offer outstanding service. If you do have credit card debt, pay that off first and then don't acquire any more.
Another way to look at paying down your mortgage is whatever extra you pay on it you are effectively earning 3.25% interest on that money. If you aren't paying the interest it's the same as earning it really. At your age you should be taking enough risk that long term you can do much better than that.
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