I would work on the side hustles rather than working for someone, but then again I am self employed, and couldn't work for anyone else again!. I wouldn't pay the mortgage off early, I would put the extra money you would pay towards overpaying into investments that pay more than your mortgage interest. Having cash flow is necessary, but if you are working a side hustle, you can save most of this side hustle money as a financial buffer for unexpected expenses, and some could go into investments