This great advice came from a CO. My hubby and I were struggling making a living attending the "school of hard knocks" (starting from the bottom), as a result things were hard for us money wise. Well anyway the CO found out that we had a 30 year mortgage on our house. The wise advice that he gave us to help us with our tight money situation was to pay the mortgage off then we wouldn't have a mortgage payment on our house. Yeah right, this dude didn't have a clue, here we were barely surviving and we were suppose to come up thousands of dollars to pay off our house so we wouldn't have a mortgage payment (when I was lucky to have a few dollars in my purse). By the way, the mortgage payment on our house at the time was cheaper than anything we could rent, which I informed him. What is it with jws and 30 year mortgages? It was also brought out during a Sunday public talk were it was stated that it wasn't wise to have a 30 year mortgage. After the meeting this older sister who was sitting pretty with a nice house, thought that was great advice. Talk about sticking you nose into something that isn't your business.