Why would you put extra cash into stocks, mutual funds or any other investment that has no guaranteed return, and carries such a rick of loss. When you could just pay down the principal on your mortgage and save big bucks. I guess if you have paid off your home and carry no debt stock investments is ok. But to take extra cash and speculate in the financial markets when you are carrying a 30 year mortgage @7.00% seems foolish. Paying down your mortgage is guaranteed savings.