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Here's a link to my first post:

and a follow-up saying what we were going to do:

In about two weeks, our last payment will be made and except for the house, we will be debt free! We also have about $22K in an efund.

What next?

My first thought was this: open a Roth IRA (if we qualify -- I have to check the numbers, but I think we will) for both myself and DW before April 15. Then start the investment process -- whatever that means.

BUT -- and yes, that's supposed to be a big but -- a new wrinkle has surfaced. I was just doodling on a website and playing with a mortgage prepayment calculator. We were paying off our debt to the tune of $3K/month. If I were to apply that amount to our mortgage, we would be clear of that debt in just under 3 years. 3 years! Wow! I ran a variation of that scenario paying $2K/month and we could have it paid in just under 4 years. Still wow! This idea is blowing my mind. That's WAY more achievable than I would ever have imagined -- of course, all things remaining the same.

I don't know what direction to take. I signed up for the "Rule your retirement" seminar so that might help. What are your thoughts, fools? A paid off house would be QUITE the comfort when thinking about my retirement. That's a huge expense that we wouldn't have. But is that the smart thing to do?

Thanks in advance...
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