Aggressively paying down the mortgage vs taxable brokerage?

I recently bought my first home (yay!) but now have a $5k mortgage for the next 15 years. 5% rate, 625k original loan balance.

Wife and I are making about $475k ($350k for me, $125k for her). I'm a hospitalist.

At this point I kind of feel trapped by this mortgage and want to be done with it as soon as I can, at which time I'd drop to 0.7 FTE. After maxing out all our retirement accounts would it be foolish of me to just dump everything extra into this and trying to pay it off in 5 years?

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u/aznsk8s87 — 15 hours ago

It's finally here!

As many of you know, I was able to go to the Gallery last weekend and pick up my ultimate gamer. A blacked out CT version of the putter I was fitted into to start my MOTO clock. Thanks to /u/legitSTINKYPINKY I had hope that it would be in the case so I headed there as soon as I walked in. I saw it and told them I would be purchasing it. I got to choose between the blue camo bulldog, baller boy, and another option I can't remember. They even cut it down to size (I'm a short dude) and regripped it free of charge, and they even offered to swap the weights to 30s for free as well (I ended up paying for them so I could keep the original 20s). I had them mail it back and now it's finally home!

Also, they need another purple MM cover that isn't Baller Boy. He's just not my favorite dude.

u/aznsk8s87 — 2 days ago

Pretty successful gallery weekend!

A lot of you already know the story, but this was a weekend to remember!

Last year in April I got fitted at the studio while the gallery was under renovation. I got fit into a Studio Style Fastback 1.5 and my putting has gotten so much better. I customized my MOTO and started my clock.

This last week was my birthday and then this weekend my wife had a camping trip with her girlfriends so I figured it was the best time to go on a little trip to treat myself! I was watching flights for a few months and finally found a red-eye round trip for $200.

I know that in the gallery, what you get is what you get as far as what's in the cases. I was hoping that there might be some sort of mallet with a jet neck; whether a Fastback, a GOLO 6.5, or even a Phantom 5.5 or 9.5. For me though, the ultimate goal was the same putter I was fitted into, a Fastback 1.5. I've seen a couple of blacked out versions in the Wednesday drawings and when they dropped another one this past week, my hopes were super high - far too high for anyone familiar with the Gallery process. /U/legitstinkypinky confirming it in the case on Thursday did not help my anxiety!

I got in just before midnight on Friday and showed up to the gallery at 5am on Saturday. I was joined by a few people shortly thereafter who I've met online (one even here on reddit!). We enjoyed talking about all things Scotty Cameron and it was wonderful to meet fellow enthusiasts. Finally I got into the gallery and made a beeline for the case and THERE. IT. WAS. Blacked out CT Fastback 1.5. I told the staff that it was the exact putter I was hoping to pick up. I did my shopping (kicking myself for not grabbing the towel and swim trunks for the summer!) and then I finally got the putter! They were nice enough to cut it down to 32" (I'm very short) and regrip it with a CT Pistolero, my grip of choice. They even added new weights to compensate for the swing weight change and offered to do it for free, but I paid for them so I could keep the old ones too. Had lunch down the road and flew back that afternoon.

Anyway. I am far from an expert on Scotty Cameron and the gallery, but as someone who is actively (and successfully) going through the process, I'm always happy to chat with people about their gallery experiences! For those on the journey to the vault with me, it takes some time but we'll get there!

u/aznsk8s87 — 8 days ago

Blinds? Curtains? Pull down shadem

This back door (ignore the lawn/lack thereof, landscaping is next) is one of the last things we need to do in the living room/kitchen area. We can't decide what to do with it yet. We don't have any young kids (yet) but since it's a West facing window it gets incredibly hot in the afternoons.

It's 70" wide and 95" tall. Door slides from R to L. Just not sure what the best way to get some sun protection and privacy is.

My main issue with doing a curtain is I think it's probably too wide to have a single curtain all the way across without a support in the middle. I don't want the vertical blinds that swivel and break all the time.

Any ideas? Thanks!

u/aznsk8s87 — 13 days ago

Yellow box day!

Just got my Timeless handstamped back from the custom shop with a purple paint job and a Pistolero grip. Can't wait to 3putt with this bad boy. And I've finally decided, screw the sole tape.

​

Also - if anyone has a Rush Rocket blade for sale (purple/blue/green CT) let me know!

u/aznsk8s87 — 19 days ago
▲ 4 r/ryobi

New home owner, which drill?

Kind of lost amongst all the different drill offerings Ryobi has and want to take advantage of the Home Depot sales going on. Seems like there's four different drills, 2 are brushless and one is compact and the other isn't. For a basic drill for a homeowner is the brushless compact sufficient or should I just spend the extra to get the biggest one? Also, is it worth getting the impact driver kit as well?

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u/aznsk8s87 — 25 days ago

New home, not sure where to begin with smart home tech

I just moved into a new house and want to get started on setting up smart home features, but I just don't know where to begin. I'm brand new to home ownership and I've been in a one bedroom apartment until now.

Features I'd like to have are being able to control the thermostat and being able to lock the doors with my phone. Mostly because it's 50/50 on whether I remembered to lock up before I leave for work. Ideally I'd like to be able to do the garage door as well. I'll likely need the Genie

I do have an ecobee thermostat that isn't integrated into anything and I have an Amazon echo dot device that's almost a decade old. I also have an indoor Ring camera and need to get around to setting up some outdoor cameras as well. I also have an old Chromecast device.

I don't need to integrate the lights in the house or anything like that, but I do have a ceiling fan with a light that is smart home compatible.

At this point, should I just use Alexa as the base or Google? Or something else entirely? My wife and I also both have Google Pixels, if that matters at all.

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u/aznsk8s87 — 28 days ago

Hybrid shaft length question

For any given shaft (in this case, denali red hybrid 60g 5.5), are hybrid shafts all the same and just cut to different lengths? Or is a 4H shaft cut to 5H length different from a 5H shaft?

I got a 5H on clearance sale but not with my preferred shaft. I can't find a tipped 5H shaft since it wasn't a regularly stocked option but there's plenty of 4H shafts out there. Is it worth it to just buy the 4H and cut it down, or should I just return it and wait for next year's model? Total cost would probably be pretty similar.

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u/aznsk8s87 — 1 month ago

I suck at golf but at least the putting was good.

Shot 45, putt 15.

Actually was on track to be an okay round until the last hole lmao. I'm fine with bogey golf.

u/aznsk8s87 — 1 month ago

Really liking the S&F Lux Estate PT Firm. Any other recs?

My wife and I have been mattress shopping for a while now and we keep circling back to the S&F lux estate pillow top firm (or medium). Nothing we've tried in store at Ashley, RC Willey, or Denver mattress feels anywhere near as good.

That being said, a few of the reviews about S&F lately have given us some second thoughts. Anyone here have any recommendations for a similar mattress? Willing to spend a little more if necessary.

Thanks!

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u/aznsk8s87 — 2 months ago
▲ 391 r/Mahjong

I grew up in HK and this was my first trip back in almost a decade. The one souvenir I wanted was a set of hand carved mahjong tiles from master Cheung Shun King. He had a set available for purchase and I ordered some additional custom tiles with my name on them. He got them done in 4 days! These will replace the 發口中 tiles. There aren't many of these hand carvers left in the city and so I wanted a piece of old Hong Kong before they all retire and no one picks up their chisels, and this makes the set uniquely mine. :)

u/aznsk8s87 — 2 months ago