I dunno. I calculated that paying an extra $200/mo on my $240k loan at 3.75% would wipe about 8 years off the 30 year loan. I think the interest savings is a good chunk but not a life changing amount of money when spread out over 30 years. In my view I’d rather have the security of a paid off house than the marginal potential gains from investing that money (in addition to my other investments) over the same time period.

I’m sure on paper it makes more sense to pay the minimum and invest the rest, but again I’d rather be more conservative and it’s likely I’d just spend that money on something else like a new car.