I would not pre-pay. I would invest instead and let the investments cover it.
At the end of the day we are not selling, we are serving.
Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!
If you help enough people, you don't have to worry about money.
More wealth doesn't fix your life. More wealth makes you more of what you already are.
The average millionaire can't tell you who got thrown off the island last night.