re: What to do with extra monthly cash flow in my scenario?

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1) Emergency Fund 2) Extra principal towards house 3) A tax-managed mutual fund (so you don't have a lot of annual taxation - i.e. mimic the tax deferred growth of the retirement plans) 4) Do you have enough term life insurance and disability insurance? 5) Do you have an HSA you can put it in?

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1) Have about $25k cash, could probably use a little more.
2) Thought about that, but my interest rate is only about 3%
3) Sounds interesting
4) I have too much
5) I don't and don't really understand how those work. Both my wife and I have traditional healthcare plans through work with little to no deductibles.