 Well, a car may crash into you anyway. And the same thing is true if you don't ever go into debt. You may still get hammered by something that has to do with debt. It's just a problem out there that you're trying to solve that isn't really out there. It's a real conundrum. Now, let's go into why you really don't want your house paid in full. Again, to retire, you need cash flow. Does a paid in full house pay you anything? No, it doesn't.