Good ideas here.

My biggest reasons for thinking that accelerating the payoff of your mortgage isn't particularly savvy are: (1) inflation reduces the value of your balance owed so delaying payments as much as possible reduces your real cost. (2) If you itemize, the tax deduction further reduces your real cost. (3) The biggest kicker is that if you advertisers payment and at some point before paying the mortgage off in full you lose your income, you'll lose your house, whereas if you pay the minimum and invest the rest, you'll have money to keep paying the mortgage even if you lose your income for a while.