Don't feel bad Winter. Owning your own home sooner will give you (and therefore her) so much more security. If you reach your goal, like Ray said, you'll still have plenty of time to build her education/home fund. Check how much interest that extra $600 a year will save you and the time it will knock of your mortgage in an online mortgage calculator. Bet its significant.

There's actually a book written by a woman - think her last name is Bell (???) Not sure on that. Anyway - it's called How to Pay off your mortgage in 7 years (by somebody who did it in 5). Or something like that. It's got heaps of money saving tips and tricks. She's an accountant so some of the money calculations get a bit anal (IMHO) like whether it was financially worth it to buy a deep freeze to buy wholesale/bulk meat and how long it would take the freezer to pay for itself in meat savings etc but there are some good ideas in there. Your local library might have a copy?