Harm, if you got to $1M this way then you can get to $2M in pretty much the same way. Don't mess with it.
Consider this cautionary tale that my FIL used to share with me every couple of months during my first two years of ER:
In the early days of radio a new announcer, fresh on the job, was assigned to broadcast the time of day live at the top of the hour. The eager but inexperienced employee was required to be standing by in the studio at least 10 minutes before he went on the air. When all was in readiness he kicked back his chair, put his feet on the desk, and read the newspaper.
While the announcer was "standing by", an elderly janitor slowly wheeled his water bucket in the door and slouched toward the far corner of the large room with his mop in his wrinkled hands. The announcer alertly looked at the clock, brought down his feet, leaned forward, keyed the microphone, and smoothly informed his audience "This is CBS. The time is now ten o'clock." He then shut off the microphone, kicked back again, and resumed reading his newspaper.
The janitor watched this performance in silence, contemplated his mop, and then asked "Is that your job?"
The announcer looked over at him, smiled, and said "Yep."
The janitor replied "Don't f*** up."
If you only want to enjoy life then it's probably not worth sweating the $300 not saved on a PC. But if you want to get to $2M, not just enjoy life, then continue the habits that got you to your first million.
BTW spouse and I still pick up pennies on our evening walks. Today we found fifteen cents... I thought I was being lured into a trap.
And you can beat that mortgage rate with
PenFed CDs, let alone investing in the stock market for the next 15 years. If you could swap that 15-year mortgage for a 30-year loan at the same rate then you'd be in hog heaven. But there's nothing wrong with keeping the current loan and putting more savings into the market.