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My wife & I will have our current house paid off in 6 months. It was a fix up purchase (11 years ago) located in the city, and we are quite comfortable in it, and it's value has doubled. Now we have a 4 year old son, it would be nice to move a bit further out to a mountain view house away from the busy city streets & near mountain parks, but still in town. The cheap part of me craves the stability of no house payments, but the rest knows that moving to a house in a more $$$ established area would be safter for the child to play, is still a reasonable investment and has a little bit of tax relief (interest). My Wife has a very secure gov job with great benifits & I am a Independent Contacter (Engineering)with lots of work. She has a state & a fed retirement program, & I have quite a bit in a previous 401K, my own fool based SEP-IRA and $30K cash buffer in my business money market account. We have 2 nice real low mileage Toyotas (94/98) and no payments (except the house). If we do not move to a more $$ house, then we will end up investing the xtra, which is nice, but at about $25-$30K a year it seems almost too much, as you can not take it with you in "the end".....I don't even wish to think about the mess of moving.....

Thoughts or suggestions? Thanks.

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