Probably the longest commitment we ever make in our lifetimes is the 30 years we commit to a mortgage. There isn’t too much we can count on having after 30 years, but unless we sell our houses or hit the lottery, we can be sure we will be paying off our mortgages for a long time!

Imagine how nice it would be to be mortgage free! It would, in many cases be like getting a $1,800 a month raise. It doesn’t seem possible anyone would have any kind of financial difficulty if he didn’t have a mortgage hanging around his neck. You could buy just about anything and go just about anywhere without needing to prepare your budget around that monthly mortgage payment.

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