Pay your mortgage, one extra payment a year can cut off 5 to 10 years on the life of a 30-year mortgage. If you make energy efficient upgrades to your home you'll benefit from future tax deductions, reduced energy bills and an increased home value.
Put some money towards your health savings account (HSA). It would give a return of 11.3% on a 3-year basis, which exceeds the typical 401(k). You can also invest in your child's education. The Education Savings Accounts grow interest tax free and may make you eligible for future deductions.