With your income being volatile, I would calculate what you need to live and pay the necessities for 6 months. Put this amount away in an interest bearing account. Never touch it unless you are in dire straights. Beyond that, I would keep a reasonable amount, maybe $10k in a checking or accessible savings account. Anything left over, throw towards a principal only payment on your mortgage. Absolutely would not draw from your 401k. Once those actions are taken & structure setup, I'd get on a budget & make sure to divert money towards investments + swing some extra towards the principal on your mortgage.
