My 401K is already maxed out each year. :rolleyes:

I toss in an extra $460 a month into my mortage to pay it off at a 15 year rate rather than a 30 year one. That's going to save me about $100,000 in loan fees but more important for me - it's going to feel good owning (well sort of) my house outright. I've been in my home for 6 years and have paid the debt down 50%.

Most people don't have the disipline to maintain a 401K until they reach a certain larger income. The marginal propensity to save IIRC. If you can scratch together an extra $50-$100 pay off those stupid live energy sucking credit cards!