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Old 01-14-2013, 12:04 AM  
Rain Man Rain Man is offline
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Free at last, free at last, thank god almighty, I ...

... no longer have a mortgage, as of yesterday.

Yes, that's right, R8ers. I'm just like you but without the big rig skills. I'm debt free in the big One Three. I owe nothing to no man, and the flag planted in my soil is now my own, and my little empire is no longer claimed by foreign banking powers. From now on, I have a roof over my head as long as I keep current on my taxes and the government doesn't decide that they can make a profit by seizing it via the absolutely insane Supreme Court decision in Kelo v. City of New London

Yessirree, I'm part of the landed gentry now.

Please pardon me if any of this sounds boastful, but hey, I'm the landed gentry. If this was 1790 I could actually vote in an election, so I hope you'll patiently let me revel in it for a few moments.

As a little back story, I was always a responsible sort, and when I got out of college I had a plan to buy a home as quickly as possible and pay it off as quickly as possible so I could retire as quickly as possible. At the time, you could only get a 30-year mortgage, so I thought I'd buy a humble home and pay it off as quickly as possible, and live humbly to help afford the Delorean that I planned to buy as my splurge. So my goal was to pay the house off at 53 and have 12 good earning years until retirement.

For various reasons, that never worked out. I didn't buy my first property (a condo) until I was 31, and I was almost 33 when we bought this house. It was a fixer-upper, and over 12 years the rehab cost more than 1.5 times what the original house purchase cost. But we paid extra here and there, refinanced a few times as interest rates went down, and either paid cash for the rehab work or hammered the home equity loan payments to keep that debt under control. We got the home equity loan paid off eventually, and this year we hammered the payments pretty hard with extra payments.

So at the end of the day, despite a ten-year life detour, I sit here a month before my 50th birthday with a paid-for home and no debt at all, three years ahead of my original schedule. I am happy. I am smug. I carry within me an air of self-satisfaction that few men can match on this particular day unless they're Atlanta Falcons.

Anyone got a lead on a nice Delorean?
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Old 01-14-2013, 11:37 AM   #31
Iowanian Iowanian is offline
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Congratulations.

I could be in this position in 4-5 years but no....no....can't have that. We're going to build instead and set myself back another 20 years.
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Old 01-14-2013, 11:40 AM   #32
mesmith31 mesmith31 is offline
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Quote:
Originally Posted by Rain Man View Post
The key for us now is to put that extra money into savings, and not say, "Hey, we have extra money." I'll admit that a splurge is tempting.
Looks like you will have the Dolorean paid off in about 3 years...

http://cgi.ebay.com/ebaymotors/1981-...item19d80cced7
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Old 01-14-2013, 11:53 AM   #33
threebag02 threebag02 is offline
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Bravo Casa De Rainman
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Old 01-14-2013, 12:29 PM   #34
REDHOTGTO REDHOTGTO is offline
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i have 6 years left my self, i will be 55 when im done unless i pay a little more in the next few years, cant wait, congrats
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Old 01-14-2013, 12:55 PM   #35
Rain Man Rain Man is offline
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Quote:
Originally Posted by mesmith31 View Post
Looks like you will have the Dolorean paid off in about 3 years...

http://cgi.ebay.com/ebaymotors/1981-...item19d80cced7
You could put gull wing doors on a Yugo and I'd want it. Love those gull wing doors.

My wife gets to pick the next car and she's interested in an SUV. The new Tesla SUV that will be released next year has gull wing doors, so I may be doing a sell job on it. It's good for the environment, you know.
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Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.
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Old 01-14-2013, 02:09 PM   #36
CanadianChief CanadianChief is offline
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Shit...work till your 65???? I'm outta here when I'm 55!!!

Probably be dead when I'm 56 but that's not the point.
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Old 01-14-2013, 02:10 PM   #37
CanadianChief CanadianChief is offline
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Join Date: Feb 2005
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and Congrats by the way!!!

If things work out the way I plan I should have my home paid off when I'm 42.
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Old 01-14-2013, 02:21 PM   #38
Rain Man Rain Man is offline
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Quote:
Originally Posted by CanadianChief View Post
Shit...work till your 65???? I'm outta here when I'm 55!!!

Probably be dead when I'm 56 but that's not the point.

It's not by choice. I could be quite happy right now puttering around the house and telling kids to stay off my lawn, but I can only last about 100 days without food.
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Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.Rain Man is obviously part of the inner Circle.
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Old 01-14-2013, 02:29 PM   #39
Hog's Gone Fishin Hog's Gone Fishin is offline
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Congrats Rain Man. I've got 2 years left on my residence and 3-5 years left on about 10 more mortgages. 5 already paid off.
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Old 01-14-2013, 03:02 PM   #40
crossbow crossbow is offline
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Well done Sir,

You have broken the bonds of financial slavery. You did it early too. You must have followed a good plan. Enjoy your retirement.
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