I posted this over on the Retirement Investing board as well:

http://boards.fool.com/Message.asp?mid=20858742

They started arguing whether a mortgage was a good thing to have in retirement.

We've decided to use our home equity line of credit if need be to fund our Roth IRAs for similar reasons. Why pay all that commission to the insurance broker?

Good thought! Of course, the Roth will only accept $3K or $4K per year, right? The insurance scheme lets you put away money in the hundred thousands range.

I've kind of decided that the insurance scheme used in the book is probably good for people who are wealthy now and who will be wealthy in retirement as well. That means being in a high tax bracket in retirement. In my own case, my retirement bracket is MUCH lower than my pre-retirement bracket.

Anyway, check out the link above. You might find some interesting stuff on that board.

Cindylouwho22, who is not 22, but is the 22nd Cindylouwho on these boards

Cute. We're in the process of sending a Dr. Seuss book to our grandkids. "What begins with 'C'? Camel on the ceiling...C..c..C."

Andy