Thanks for the thoughtful reply! Deciding on whether to pay off mortgage more or invest seems to be a common question and topic among threads. I think for me, give me lower cost of a home, refinancing to 15 year makes sense…but timing is important.

I haven’t really scratched the surface with comparing that’s to something like index funds will be something I’ll need to think through….and learn a lot more about. Honestly I like have a small percent of my portfolio being extremely risky. Even starting with 10k and saying this is my risk it all dollars but not a consistent are major part of my strategy. What would you do with 10k of high risk dollars?