I would not pre-pay. I would invest instead and let the investments cover it.
I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.
Be an evangelist with your excellence.
Debt has become a part of who we are.
We live in a culture full of hares; but the tortoise always wins.
Be very proud of what you do, and if you aren't then change it.