Instead of making additional payments on all three, I focus on one at a time. That way, if I completely wipe out a mortgage on one of those, that's like one less bill that I have to pay. And then once it reaches a large sum of money, I then have the option to use this to make a huge lump sum payment and wipe out this whole mortgage in one check. Or do I want to used this to buy a house in cash? Interesting. But I think it's probably technically worse financially to go the paying down route.

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