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The "pay off early" vs "never pay off" is an interesting debate. To me it all boils down to your personal philosophy about debt. If you abhore debt and worry about it, then by all means pay off early. If you are more tolerant of debt, I think there is an opportunity to grow your money faster by carrying a mortgage on your house. Of course, you do assume some risk if you were to lose your job or what have you. It's all personal choice.
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Rick
1984 911 coupe
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