Let's again apply the financial intelligence into the real world, and continue the topic of last week. Assuming you have paid off the credit loans and student loan, and you still have 30-year mortgage loan (you just bought a new house 2 years ago and still have 28 years mortgage term left)?

If you receive a bonus this year, you have two choices (1) you can use the money to make prepayments of mortgage loans; or (2) you can invest in your brokerage or retirement account, say 401K or Roth IRA?  Which one are you going to take? Assume mortgage rate is 3.2% and average market return is 6%?