Kids cost more than you think they will.
See if your bank will let you make a yearly lump sum payment on your mortgage directly on the principal. They do up here in Canada. If they don't, ask another bank if they will and then tell your bank you're willing to switch.
Managing money is not difficult. The more time you put into it the more money you will lose.
Be careful taking financial advice. People fall into two camps: fearful or optimistic. There are many more fearful people than optimistic people, even though the equity market has an upward tendency.
When purchasing investments, be wary of good sales people, they are the ones who will screw you the hardest. The geeky guy you don't trust is likely giving you good advice. The good looking guy who makes a lot of sense and who you just like for some reason... Run!