Control the guardrails.
Set the maximum share of later-stage surplus Money Router may suggest for extra vehicle-loan or mortgage principal.
Debt thresholds and extra-payment caps
Minimum payments are never reduced. Caps apply only after essentials, the emergency-fund target, and employer match.
Mortgage impact matters: extra principal can remove years of interest, but it also converts liquid cash into home equity. The router compares the mortgage APR with liquidity, tax treatment, reserves, and the investment-return assumption.