I&#x27;ve been overpaying on my mortgage by 150% all year; that&#x27;s the money that I would otherwise have saved. Savings account would give me 3% tops; stocks would give me more but not risk-adjusted more. Paying my mortgage off early is 4.2%, risk-free.<p>Am I being dumb? It&#x27;s quite possible there&#x27;s something I&#x27;ve missed.