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Comment on Taking money off the tableparent

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Just to reiterate the point the person above you made, but in far simpler terms: independence can be far greater return on your personal well-being then maximizing gains. I'm willing to "lose" out on $50-$100k over the lifetime of my mortgage in exchange for never needing to make a payment on the house again

The gov and insurance company will still want their taste. I think my escrow portion is probably at least 1/5 of my mortgage payment.

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