When does it make sense to make extra payments on my mortgage?

When does it make sense to make extra payments on my mortgage? My wife and I bought a house in January that we can just afford after retirement contributions. We have an emergency fund in an HYSA that technically covers 6 months but that I'm slowly trying to increase. We also have one personal loan we'll have paid off by November that was used to decrease the interest on some credit card debt which will fre...

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