[TBH]

I'm almost done with year 2 of a 20 year at 5.25. I prepaid in the first year--usually about 50 or 100 per month, and I threw 1000 at it at the end of the year when I had some surplus. But things were so tight, and we're not contributing regulary to our emergency fund, so my spouse talked me out of continuing to prepay. Also, I'm thinking of moving out west temporarily in about 3 years, and I'd rent out our house til we decided whether to stay out there. So I'm thinking I'll really appreciate being able to deduct that interest then.

I'm glad, though, that I was able to prepay a little a the beginning, because that way I'm getting the benefits of that in the form of reduced interest for the remainder of the loan.

I still prepay $10 per month, but that's all I can manage.