I'm not disagreein' .. the Missus & me had a low cost wedding ; our bargain honeymoon was 2 years later - not Tahiti - Florida. .. we both drove old wrecks ; .. but the mortgage was paid off in 7 - 8 years - at rates unheard of today max. 18 % ! min. 11 % .. our second home was paid for in cash $ 93,000.00 As we enjoyed our mortgage-free ; 1 income ; rusty Ford truck ; old Cutlas ; little-kid time, in that home - my wife would get just a little peeved at friends and neighbours who had careers and cottages and Volvos etc and expected my wife to provide free daycare on snow-days .. .. John T.