Oh yeah with 3% you are definitely best served to have it as long as possible and rather invest the spare cash.

For tax: I got it wrong. As mentioned in the thread 40% is actually a pretty good rate.

Honestly looks like you're doing as well as you could. Your mortgage is high so it begs to ask about the apr on it vs the rate of return on investments. I e. basically what's more efficient in your case - to pay back the mortgage faster vs to aggregate interest in investments.

Your effective tax rate also seems to be quite high - about 40%. Does the number include interest itemization?