Financial Security is not enough money to buy toys. That is to learn to live with less money than you earn. So, you can help other individuals or investors. You are not a winner until done it
If you will live like no one else, later you can live like no one else.
You can't be in debt and win. It doesn't work.
Just keep taking the next step and keep having excellence in the ordinary.
I would not pre-pay. I would invest instead and let the investments cover it.
Leading a family is the hardest job a man can ever have.