 Even after you pay your mortgage off, you still got to pay those property taxes every year. You still got to pay that insurance payment every year. That's part of that mortgage payment each month. None of that stuff's going away. So don't fool yourself. Don't think that getting your mortgage paid off is the secret to retiring. It's not. Next one is you have too much other debt, including college debt. Guys, come on now. How can you owe college debt?