Moriwaki headlight bracket.

[misterprofessionality]

lol, let's not morph into an investment fund, but i'll just say this:

Paying off your house early is the way to go when you don't get a significant tax break, and the house is sufficiently cheap. for example, we purchased way below our means ( or at least what others would consider to be below our means), and so we can feasibly blow the mortgage down in less than 5 years. this results in paying almost no interest (compared to the hundreds of thousands that some people pay). We can then carry on investing in our retirement -- and this is very important -- without risking the roof over our head.

basically, we made a decision to absolutely secure the roof over our heads while we'll young, so that we can look forward to our future and plans without ever having our shelter at risk, unlike most others who go their whole lives with their domicile at risk. i'm not going to live that way, and i've just drawn a hard line that says i'm not going to go into debt in order to invest and build a future.