I would not pre-pay. I would invest instead and let the investments cover it.

Debt gives you the ability to look like you’re winning when you’re not.

Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.

Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It's just as important as life insurance.

Teaching kids about money is never just about money.

Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren't the exception.

I would not pre-pay. I would invest instead and let the investments cover it.