• ~2004-11: Cash assets (including 401k) exceed balance of mortgage
  • ~2005-06: Principal part of (minimum) mortgage payment exceeds interest
  • 2006-12: Ready cash accounts (after cashing in some under-performing CDs) exceed remaining balance of mortgage.

It is sorely tempting to pay the thing off and be done with it, but I’m not quite willing to throw away my safety net, however fast it may recover. I do have a fair bit beyond my target safety net, but I will be spreading that out a bit for the sake of caution, especially with my financial situation about to undergo a major adjustment. Still, while I don’t have the exact income adjustment yet, it looks eminately possible to have slain the mortgage in another year’s time.


  1. mandydax says:

    Congratulations on that. You’re a rare American. ^_^

  2. Anonymous says:

    Hmmm. *frowns thoughtfully* But a long post on something that doesn’t already have inherent interest to me gets skimmed at best, skipped at worst. A short post may draw me in.

    I didn’t bother to read his whole post – frankly, I didn’t care enough, somewhat illustrating my own point – so it may be that longer posts are far more valuable to those who are already interested in whatever the topic is, or who have a lot of time.

    When you’re reading, not someone’s blog, but your friends page, however, sometimes it’s far too easy and tempting to scroll past the long stuff, especially if you are in a hurry.