First, I'd like to know why you don't need emergency money? I mean, technically you don't need it until you need it. But why take the risk of not having it?
Anyway, just keep paying more on principal. You have a healthy amount in saving should something financially catastrophic happen to you.
Based off the info you have provided, I'd say you're in an ideal situation already.
Edit: stop contributing to your current savings and put that extra money toward principal.
AustinLostIn t1_j6dmzu0 wrote
Reply to Pay down on house or keep in savings? by jws1300
First, I'd like to know why you don't need emergency money? I mean, technically you don't need it until you need it. But why take the risk of not having it?
Anyway, just keep paying more on principal. You have a healthy amount in saving should something financially catastrophic happen to you.
Based off the info you have provided, I'd say you're in an ideal situation already.
Edit: stop contributing to your current savings and put that extra money toward principal.