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Thanks for your thoughts. I probably won't tell them to pound sand - LOL!

I "retired" from an engineering management position in 2005 at the age of 42. I make significantly less money than I used to, but my work is very rewarding. I expect to have more discretionary income in retirement than I do today. I don't mind living simply in exchange for the slower, more rewarding lifestyle.

As most self-employed small business owners do, I do everything I can to keep my taxable income as low as possible. As in my personal life, I pay off my business credit cards every month and earn cash back on every expense, but always hold the money as long as possible.

For now, I'm keeping my balances low and will apply for the refinance in a few months. In a worst case scenario, I can pay down the loan to get a better rate.
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