Hi, Looking to potentially be SAHM for a while, and looking to reduce expenses. I'd also like to get the mortgage paid off before term. Right now, have about $365,000 left at 4.1% for 27 years. Let's say I have a big chunk of change ~50k to throw at it, is it better to pay off principal to shorten loan term, or to reduce monthly bill (and then pay more when we can afford too), or do a combination of the 2?