u/AnnualOwn4921

Age: 28M

Married: Yes

Income: $180k (combined, pre-tax)

Debt: None besides mortgage

Mortgage: ~$200k remaining at 5%

Home equity: ~$130k

Investments: ~$100k (stocks)

Cash: $25k

Goal: Build wealth / increase flexibility / possibly buy rental property

Question: Should I prioritize investing, paying down mortgage, keep primary residence as rental & renting, or using equity for another property?